Educareinvest

Why Educareinvest?

Educareinvest offers protection benefits for dependents until you reach the age of 100. Educareinvest will pay up to 100% of the sum insured to your next of kin in the event of your death, although you have already completed the payment period years previously.

Program guarantee will continue in the event of critical illness
10% bonus for every investment made, from the third year onwards
Short investment period (5 to 10 years)
Freedom to determine your choice of investment in line with your goals and risk profile.
Flexibility to change the value of your investment

Investment Fund Management

To realize your goals and Edus, Educareinvest offers the following type of investment:

	Rupiah Money Market Fund
	Offers protection for the capital value and safeguards liquidity. Rupiah-denominated funds are invested in high-quality short-term instruments such as deposit accounts, promissory notes, capital markets mutual funds and obligations with a fixed period of less than one year.
	Rupiah Fixed Income Fund
	Offers a stable income and provides capital protection over the long term. Rupiah-denominated funds are invested in short- and/or medium-term instruments such as deposit accounts, promissory notes or mutual funds, and long-term instruments such as obligations.
	Rupiah Balanced Fund
	Offers long-term capital growth by realizing a steady income stream. Rupiah-denominated funds are invested in short- and/or medium-term instruments such as deposit accounts, promissory notes or mutual funds, and long-term instruments such as obligations and shares.
	Rupiah Equity Fund
	Offers long-term capital growth through direct investment in shares, or indirect investment in shares via a mutual fund.

Education Plan

As a parent, the chances are that higher education for your children will be the second biggest investment that you will ever make. That’s why, unless you are a high net-worth individual, the earlier you start planning for your children’s education, the better.

Remember the golden rule: Start saving as early as possible, no matter how little you may have to invest.

Illustration

Dina, aged 30, starts a higher education savings plan. By investing IDR 25,000,000 per annum over just five years, her plan will be worth IDR 250,000,000 on top of the original investment value.

The following illustration shows how*:

HSBC

*assumes 12% return on investment (not guaranteed)

Note:
If Dina is diagnosed with any one of 38 critical illnesses, she will receive IDR 125,000,000, and Allianz will continue to pay the premiums at the same value until Dina reaches 64 years of age.

Guaranteed Benefits

-	Cash payout on child’s 15th birthday		IDR 125,000,000,- or
-	Cash payout on child’s 18th birthday		IDR 125,000,000,- or
-	Cash payout on premium holder’s 75th birthday		IDR 200,000,000,-
			______________
-	75 year of age	Total:	IDR 450,000,000,-

Family Benefit
Death benefit IDR 250,000,000 + value of original investment

Avalable riders

1.	Critical Illness Plus
2.	Payor Benefit

Allianz - a brief overview

Allianz is a leading global insurance and financial services company established in Germany in 1890. Today the company has operations in over 70 countries and employs more than 177,000 people worldwide. Allianz has over 60 million customers, from multinational companies to private individuals. A large portion of our customer base is comprised of Fortune 500 companies.

Allianz first established a representative office in Indonesia in 1981. Since then the company has grown to become one of the largest joint venture insurance companies in the country, operating under two entities, PT. Asuransi Allianz Utama and PT. Asuransi Allianz Life Indonesia. Allianz Life, established in 1996, offers life assurance, health insurance, pension plans (DPLK) and syariah-based insurance. Allianz Life provides agency services to over 6000 financial consultants, and has 80 sales offices and outlets in over 40 cities.

Disclaimer

Investing in any capital market instrument carries risk. A fund's performance is not guaranteed, and income from any fund may change or be reduced. Past performance is not a reliable indicator of future growth. A full explanation is provided in your Insurance Policy.

Educareinvest is an insurance product with investment elements issued by PT. Asuransi Allianz Life Indonesia. Unit Link Insurance is an insurance product and NOT a bank product, and is thus not guaranteed by HSBC and/or any member or members of HSBC Group (HSBC Holdings Plc and its subsidiaries and associate companies or any one of their branches), and is NOT included in the government's loan guarantee program or deposit guarantee program. HSBC accepts no responsibility for any insurance policy issued by PT. Asuransi Allianz Life Indonesia associated with the Educareinvest program outlined herein.

Use of the HSBC logo is subject to the approval of HSBC as a symbol of cooperation between HSBC and PT. Asuransi Allianz Life Indonesia for the express purpose of offering the Educareinvest products outlined herein. HSBC is neither an agent of PT. Asuransi Allianz Life Indonesia nor a broker of any HSBC customer. Any use of HSBC's corporate logo in relation to any Unit Link product is purely an indication of the marketing cooperation between HSBC and the insurance company offering the Unit Link program.

For full details of benefit, please refer to the Educareinvest policy provided.

For full details of applicable charges, please refer to the Educareinvest policy provided.

For further information, please contact HSBC Phone Banking Services

Next steps

For Personal Customer:
(+6221) 5291 4722
0804-1-86-4722
64722 (from mobile phone)
For Corporate Customer:
(+6221) 2551 4777
0807-1-86-4722
Locate HSBC Branch