Proteksi Prima Perlindungan Utama – Key Advantages:

• Affordable Premiums starting from IDR 24,000,000 / USD 2,400 per year
• Optimal Sum Assured up to IDR 10 billion / USD 1,000,000
• Hospitalization Benefits reimbursed based on actual bills*
• Investment Benefits from the First Policy Year:
• 50% in the 1st Policy Year
• 100% in the 2nd to 10th Policy Year
• 102% from the 11th Policy Year onwards
• Loyalty Benefits in the 10th and 15th Policy Year:
• 50% of the Basic Premium of the 1st Policy Year, payable at the end of the 10th Policy Year
• 200% of the Basic Premium of the 1st Policy Year, payable at the end of the 15th Policy Year

*Available as an additional insurance option

1. The insurer will pay death benefits to the insured, who dies during the insurance coverage period with an active policy status, the amount of the insurance value plus corresponding policy value (if any). The coverage value:

    

2. End Of Insurance Benefit

   If the insured survives beyond the insurance coverage period, the benefits at the end of the insurance period will be paid in the amount of the corresponding policy value (if any).

3. Loyalty Benefits*
   • This is an additional percentage of the Basic Premium which will be added to the policy value of the Basic Premium in the form of units, the value of which corresponds to applicable unit cost provisions.
   • This will be paid at the end of the 10th (tenth) year of the policy in the amount of 50% (fifty percent) of the Basic Premium of the first year of the policy, and at the end of the 15th (fifteenth) year of the policy at 200% (two hundred percent) of the Basic Premium’s first year.

1. Terms and Conditions of Entry Age
   • Insured: 30 days – 70 years
   • Policyholder: Minimum 18 years old
2. Underwriting Process:
   • Full Underwriting
3. Premium and Money Insurance
   • Currency: IDR/USD
   • Minimum Premium: IDR 24,000,000 / USD 2,400 per year
   • Payment Methods: Annual / Semester / Quarterly / Monthly
   • Payment Period: Until insured reaches 109 years
   • Maximum Sum Insured: IDR 10 billion / USD 1,000,000

Note: Must comply with minimum premium requirements

Information on Investment Fund Options Table:

1. The minimum allocation for each Investment Fund option is 10% of the total Investment Fund. The selected unit-linked Investment Fund currency must match the policy currency. The Selling Price is the price used in purchasing the unit. Withdrawal or switching follows the Buying Price, while Top-Up uses the Selling Price (the Buying Price and Selling Price are determined every trading day). The difference between the Selling Price and the Buying Price is 2%. You can view the Buying Price and Selling Price on the website www.manulife.co.id. Depending on the selection, the Investment Fund management fee is 1.25% to 2.6% per year of the Total Managed Fund. Manulife Indonesia, which officially manages the Investment Fund, has the right to outsource the management of Investment Funds to third parties in accordance with applicable regulations.
2. You can only choose one

1. MEDICAL PRIME CARE*
   Medical Prime Care Advantages:
   In-patient benefits are paid according to the hospital bill (as charged) for various treatment costs in accordance with the provisions of the selected plan.
   The cost of cancer treatment (chemotherapy) and dialysis due to kidney failure is paid according to the bill (as charged).
   Additional Annual Benefits of up to Rp15 billion will be provided for 1 year if the Insured is diagnosed with a specific disease (cancer, heart attack, kidney failure and organ transplant).
   
2. CRITICAL PRIME CARE*
   This is an Additional Coverage Program that provides Protection Benefit of up to 300% of the Total Basic Insurance if the Insured is diagnosed with any of 56 end-stage Critical Illnesses without reducing the Basic Insurance Sum for Death Benefit.
   
3. ESSENTIAL WAIVER OF PREMIUM*
   This is an Additional Coverage Program that provides Basic Premium Exemption Benefit if the Insured is diagnosed with one of 49 critical illnesses without reducing the Basic Insurance Sum for Death Benefit.

* Refer to the policy provisions for full terms and conditions

Costs

• Acquisition fee of 50% from the Annual Basic Premium in the first year.
• Upon issuance of the Policy, calculation of insurance cost is adjusted based on age, gender and dynamic death benefit.
• Administration fee of 0.583% per month from the Policy Value, charged only during the first 7 years of the Policy.
• The difference between the Selling Price and Buying Price (bid over spread) is 2%. You can view the Buying Price and Selling Price on the website www.manulife.co.id.
• Investment Fund management fee is 1.25% to 2.6% per year of the total managed fund, depending on the selected Investment Fund.
• Withdrawal and/or cancellation of the unit will be charged a fee of 95% in the 1st year of the Policy and will be gradually reduced to 0% in the 8th year of the Policy.
• The premium leave fee will be deducted from the policy value and applies if premium payment lapses during the first 7 years and the policy enters premium leave status. The amount of the premium leave fee is as follows:

Note (1): Will be charged on a monthly basis.

Note (2): Will be charged according to the Premium payment mode.

1. Market Risk
   Unit prices fluctuate according to market prices. Volatility in the unit price will result in possible increase or decrease in the value of the Investment.
2. Credit Risk
   Policyholders will be vulnerable to the credit risk of PT Asuransi Jiwa Manulife Indonesia as a risk selector for insurance products. Credit risk refers to PT Asuransi Jiwa Manulife Indonesia’s ability to pay obligations to its customers, as well as the risk of default from the issuer of Investment instruments.
3. Operational Risk
   A risk caused by the failure of people and systems or failure of internal processes, as well as by external events.

• The marketing of Proteksi Prima Perlindungan Utama (PPPU), which is an insurance product from PT Asuransi Jiwa Manulife Indonesia ("Manulife Indonesia"), is done in collaboration with PT Bank Danamon Indonesia Tbk ("Bank Danamon"). PPPU is not a deposit product of Bank Danamon and cannot be considered as a third-party deposit at Bank Danamon guaranteed by the government of the Republic of Indonesia.
• The value of the policy received by the customer will depend on the performance of Manulife's investment funds. Manulife Indonesia will regularly send customers notices to inform the policy value.
• The premium paid by the customer includes fees for administration, insurance and marketing, plus bank commission.
• For comprehensive details on the benefits and charges, refer to the both General and Special Provisions of the Proteksi Prima Perlindungan Utama.
• Bank Danamon is not responsible for the Insurance Policy issued by Manulife Indonesia in connection with the Proteksi Prima Perlindungan Utama product. Information contained in this website is subject to provisions as stated in the General and Special Provisions indicated in the Proteksi Prima Perlindungan Utama policy. Product features listed on this website are based on information from Manulife Indonesia.
• The use of Bank Danamon logo, which is based on the approval of Bank Danamon, only intends to show the cooperation between Bank Danamon and Manulife Indonesia. Bank Danamon is neither an agent of Manulife Indonesia nor a broker of Bank Danamon customers.
• You can submit a claim through MiAccount (which can be downloaded from the App Store and Google Play Store), Manulife Indonesia marketing office or the nearest Bank Danamon branch. Submit the claim form and all required supporting documents in accordance with the policy provisions. Manulife Indonesia will process the claim according to the Policy’s General Terms and Specific Conditions, including but not limited to policy exclusions.
• This information represents general information only and is not part of/or a document that supersedes the insurance policy.
• Marketers who offer and sell these products are registered and supervised by the Financial Services Authority (OJK) or related associations.
• For customer complaint services, please contact Manulife's Customer Contact Center:
  Sampoerna Strategic Square, South Tower
  Jl. General Sudirman Kav. 45 - 46 Jakarta 12930
  Phone: (021) 2555 7777
  0800 1 606060 (toll free & only for areas outside the Jakarta area code)
  Email: customerserviceid@manulife.com
  Servicing and settlement of customer complaints is free of charge.