- 100% premium refund if no claims are filed within 10 years.
- Monthly premium payment for 5 years, with 10 years of coverage.
- Life protection.
- 24-hour emergency assistance anytime, anywhere.
- Up to IDR 4 billion coverage for overseas medical or hospitalization costs.
- Comprehensive international coverage.
- Additional Accidental Death Benefit*.
- Life protection with potential of additional non-guaranteed Death Benefit for inflation protection
- Simple underwriting process up to IDR 5 billion.
- 70% of the premium will be refunded if the policy is canceled after the 8th year.
- Maturity Benefit is 100% of total premium paid.
- Death or Total Permanent Disability Benefit up to 700 times monthly premium*.
- Annual premium payment.
- Easy enrollment.
- Comprehensive coverage of up to IDR 880 million.
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- Maturity Benefit up to 600% from annualized premium.
- Additional Protection for Accidental Death or Total Permanent Disability.
- Guaranteed Annual Cash Payment starting 1 year after Premium Payment Period finishes.
- Up to 100% Maturity Benefit.
- Cash Payout Benefit is 20% of Sum Insured at 70 years old.
- Life protection up to 99 years old with up to 100% Death Benefit.
- Cashless and reimbursement benefit in local and overseas hospital networks.
- 10% Premium Discount for the first payment.
- Cover your hospital bills as charge with high annual limit.
- Enjoy various benefits, including exclusive discounts at selected Inova Care network providers.
- Unlimited international coverage with 24/7 worldwide emergency dental protection.
- Easy claims for coverage of up to IDR 10 million per year.
- 160% Return of Premium if the insured dies or lives until end of coverage period .
- Critical illness final stage protection with coverage of 100% sum insured and 100% Return of Premium
- 20 years coverage with limited time premium payment.
- 15% premium refund based on the total premiums paid.
- Coverage for losses due to crime, including mobile credit reimbursement and life benefits of up *
- Travel safely on public transportations with coverage of up to IDR 2.5 million per year.
- Loyalty benefit of 50% in year 10 and 200% in year 15*.
- No Lapse Guaranteed policy for 10 policy years*.
- Affordable Premium starting from IDR 24 million or USD 2,400 per year.
- Death Benefit by any cause during the Coverage Period or the elimination period.
- 100% Return on Premium if the insured lives at the end of policy term.*
- Cancer protection for 10 years.
- Reset Sum Insured back to 100% after the first claim of early-stage critical illness or ICU.
- Up to IDR 3 billion* coverage for 65 early-stage critical illnesses.
- 2 or 5 years Premium payment for 20 years of coverage.
- Critical Illness Benefit.
- Total Permanent Disability Benefit due to Accident.
- Death Benefit.
- Coverage for medical expenses from accident-related injuries.
- Funeral and/or cremation benefit due to an accident.
- Coverage for injury resulting in death or permanent disability due to an accident.
- Coverage for accidental death risk.
- Coverage for death risk due to illness.
- Simple Underwriting process without medical examination for total risk up to IDR 5 billion*.
- Flexible protection options up to age 75 or for a lifetime.
- Maximize your legacy planning with guaranteed increase up to 2x initial Sum Insured
- Additional protection options for critical illness with gender specifications*.
- Guarantee policy will remain active in the first 10 years of the insurance policy*.
- Easy underwriting process without medical examination for sum insured up to IDR10 Bio*.
- Active Policy Guarantee* for the first 10 policy years
- Attractive Loyalty Benefit
- Higher Investment Allocation
- Death Benefit is 200% of Single Premium and Policy Value (if any).
- Flexibility of choosing and switching between various investment plans to suit Your needs*.
- Only one-time premium payment.
- Premium Payment Period of 5 years or 10 years*.
- Loyalty benefit is up to 600% of the total annual premium*.
- Easy underwriting process with no medical examination for total risk up to IDR 1.5 billion*
- Premium Waiver until the end of Premium Payment Period.
- Accidental Death Benefit is 100% from Target Fund.
- Certainty of benefit until end of the protection period that provides guaranteed benefit up to 700%.
- Death Benefit 105% of Single Premium
- Cash Payment Benefit is fixed amount
- With One premium payment, get short-term life insurance protection and earn fixed income for 3 years
- Easily apply without Health check*
- Change the Insured up to 3 times.
- Enjoy monthly income starting 3 years after premium paid fully.