Proteksi Prima Berkah

Proteksi Prima Berkah is a Sharia-based dual-purpose life insurance product (endowment) which is the result of a collaboration between PT Bank Danamon Indonesia Tbk and PT Asuransi Jiwa Manulife Indonesia Syariah which provides Cash Payment Benefits and Life Protection at the same time.

BENEFIT OF PRODUCT PROTEKSI PRIMA BERKAH (PPB)

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Comprehensive Benefits

  • Helping to meet future living needs with cash benefits of 138% of total contribution with protection for up to 25 years
  • Helps provide financial security with death benefits due to any cause or accident.
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Easy and Affordable

  • Providing convenience because the process is easy by simply answering Health questions (does not require a medical check-up)
  • Affordable monthly contributions that can be adjusted to the financial capabilities of each customer

INSURANCE BENEFITS

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1. Cash Payment Benefit
If the Participant is still alive and the Policy is active until:

  1. At the end of the 8th policy year, the Operator will pay Cash Payment Benefits to the Policy Holder in the amount of 12 times the monthly contribution; and
  2. At the end of the 18th policy year, the Operator will pay Cash Payment Benefits to the Policy Holder in the amount of 120 times the monthly contribution.
Hospital

2. Death Benefit
The Operator will pay 132 times the monthly Contribution if the Participant dies:

  1. Due to an Accident within 1 year from the Effective Date of the Policy; or
  2. Due to any cause* within the period of the 2nd Policy year to the end of the 18th Policy year

*The provisions for Death due to any cause still refer to the Proteksi Prima Berkah Policy Provisions

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3. Additional Death Benefit
The Operator will pay 36 times the monthly Contribution if the Participant dies due to any cause* during the 19th Policy year until the End of the Insurance Period.

*The provisions for Death due to any cause still refer to the Proteksi Prima Berkah Policy Provisions

PRODUCT SPECIFICATIONS

Insured Entry Age
18 – 60 years old
Underwriting
Health statement in form (no medical check-up)
Protection Period
25 years
Contribution Payment Period
8 years
Payment Methods
Monthly
Freeloook
The policy study period is 14 calendar days
Minimum Contribution
IDR 300.000 (per month)
Grace Period
Protection will end if the Policyholder does not pay the contribution up to 3 months after the contribution due date (3 month billing cycle)
Waiting Period
There is no waiting period for claims for death due to an accident, but there is a waiting period of 1 year for claims due to death due to any cause*

*The provisions for death due to any cause still refer to the provisions of the Prima Berkah Protection Policy
Akad
Akad Tabarru’, Akad Tijarah, Akad Wakalah Bil Ujrah, Akad Hibah Tanahud

DEATH BENEFIT

Tabel

Note: The waiting period for Pre-existing Condition refers to the date of the death of the Participant. For example, if there is a claim in the 3rd (third) year but the death occurred in the 2nd (second) year which is known to be due to a Pre-existing Condition, an investigation will still be required.

ILLUSTRATION

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For more information about the Prima Berkah Protection product, click here.