PRODUCT EXCELLENCE

Provides maximum protection and optimize your investment

BENEFITS INSURANCE

 I. Insurance Benefits Compensation Died Because Of An Accident.

If the insured dies due to an accident in the insurance period then it will get a compensation sum assured of premium *) plus the benefits of investment of the last investment balance value, then the insurance contract expires.

II. Benefits Of Investment.

The benefits of a given investment is of premium paid, plus investment return with a guaranteed interest rate, the maximum interest rate for investment products Protecto Investa in accordance with DECREE of the latest Board of Directors.

PRODUCT TERMS

General requirements    

I.  Insured Age Limitation  

    - Age of entry insurance: 17 years - 65 years  

    - Maximum coverage: up to the age of 70 years.     

II.  Calculation Method Age:  Age on the nearest birthday (age nearest birthday)

Where age rounding up if equal to or more than 6 months, and less than 6 months will be rounded down.   

III.  Limitation of Sum Insured 

The maximum sum assured of Rp 2,000,000,000 (two billion Rupiah) per insured.     

VI.  Start Insurance

After the premium and the cost of issuance of the policy is paid in full, as well as the insurance coverage of the prospective insured person is accepted by PT Asuransi Jiwa KRESNA.  

V.  Cooling-Off (Free Look) Period        

• It is discretionary for policyholders to study the insurance policy and may cancel their policy to obtain a premium refund of the cancellation.         
• The period of policy term is 7 days after the policy is received by the policyholder.   
• The amount of premium return during the policy period is the premium paid after deducting the administrative fee of 1% of the premium.     

IV. Term of termination of insurance        

•  Die
• Contract ends
• War Reach the age of 70 years        
•  Benefit has been paid        
•  Resigned by canceling his investment.     

Terms of Investment     

I. Interest Rate of Investment

The amount of investment interest rate is guaranteed. The determination of the interest rate in the policy shall be determined by the Investment Expert and shall be made periodically by issuing a Memo Rate of Guarantee for Investment Rate of Protecto Investa Kresna Product every 2 weeks **), which lasts for the duration of the sale of the Protecto Investa Kresna product.

The determination of the interest rate is applied to each new policy and policy in the extension of the investment guarantee period for the future policy period.

Note **):  Period of evaluation to determine the amount of investment interest rate by Investment Expert conducted every 2 weeks to be adjusted to condition of investment that happened in market at that time.    

II.  Investment Guarantee

Period Is the period when the guaranteed interest rate of investment ends, and will be evaluated for the next investment guarantee period for the duration of the insurance contract is valid. The investment warranty options available for this product are as follows.