Death benefit to beneficiary is 100% (one hundred percent) of the sum assured after deducting the obligations of the Policyholder to Manulife Indonesia (if any).

Critical Illness Benefits to Policyholders amount to 100% (one hundred percent) of the Sum Insured after deducting the Policyholder's obligations to Manulife Indonesia (if any), if the Insured is diagnosed for the first time with 1 (one) of the 89 (eighty nine) Critical Illnesses as listed in the Critical Illness List Table and has passed the Elimination Period.

End of Coverage Period Benefits to Policyholders amount to 100% (one hundred percent) of the Sum Insured

Premium Waiver Benefit if the Insured is diagnosed with 1 (one) of 89 (eighty-nine) critical illnesses and has passed the elimination period. This Additional Benefit is optional for the Essensia Plan.

1. With the Basic Insurance Premium chosen by Mr. Michael above, the initial Insurance Amount that Mr. Michael will receive is IDR 1.835.030.700,00.
2. If Mr. Michael dies in the 10th (tenth) Policy year, Manulife Indonesia will pay a Death Benefit of IDR 1,835,030,700.00 to Mrs. Michele as the Designated Beneficiary and the Coverage will end.
3. If Mr. Michael is diagnosed with 1 (one) of the 89 (eighty nine) Critical Illnesses as listed in the Critical Illness Table and has passed the Elimination Period in the 15th (fifteenth) Policy year, then Manulife Indonesia will pay a Critical Illness Benefit of IDR 1,835,030,700.00 to Mr. Michael as the Policy Holder and the Coverage will end.
4. If Mr. Michael lives until the end of the insurance period and the policy is active, Manulife Indonesia will pay an end-of-insurance benefit of IDR 1,835,030,700.00 to Mr. Michael and the insurance will end.