Cash Fund / Money Market Fund Rupiah

SmartLink Cash Fund / Money Market Rupiah is designed to get a maximum investment return* with fund placements in Rupiah using high-quality short-term investment tools such as time deposit, SBI, and mutual funds. This investment offers a high-level security and preserves high liquidity by providing investment return. It is very well suited for a conservative investor who prefers stable investment gains and low investment risks.

* Investment returns depend on company investment performance and investment risks.

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Fixed Income Fund Rupiah

SmartLink Fixed Income Fund Rupiah is designed to get an optimum investment return* with fund placements in Rupiah using short and mid-term investment tools such Deposito, SBI, and mutual funds, as well as long-term investment tools like bonds. This investment offers attractive investment gains with high level security and stability. It is suited for an investor who wants to get good long-term investment returns at moderate risk.

* Investment returns depend on company investment performance and investment risks.

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Balanced Plus Fund

SmartLink Rupiah Balanced Plus Fund is designed to get a maximum investment return* with fund placements in Rupiah using an optimum allocation with money market instruments, bonds, stocks and mutual funds. The allocation of funds is determined by Fund Managers and is subject to change on occasion. This offers good long-term investment returns and with risk profile more aggressive than SmartlinK Rupiah Balance Fund.

* Investment returns depend on company investment performance and investment risks.

Critical Illness

Critical Illness Plus offers protection against 49 critical illnesses. If you are for the first time diagnosed to have one or more of these 49 critical illnesses Allianz will pay 100 % of your sum assured under CI+. Critical illnesses are for example heart attack, stroke, and cancer.

Critical Illness (Accelerated) offers protection against 49 critical illnesses. This addition protection will substract money of basic responsibility.

Accidental Death & Disablement Benefit (ADDB)

Nobody expects accidents to happen. But we all know they do happen.
This rider offers you additional coverage for death and disablement caused by accident. Allianz pays 100% - 300% of the sum assured upon accidental death and a certain percentage if inner organs or body parts are defect because of an accident.

Total Permanent Disability (TPD)

24 hours a day Allianz protects you from TPD and pays you 100% of your sum assured in case of TPD. Of course, your basic policy will still continue until the end of insurance time.

Payor Benefit & Payor Protection

• Payor Benefit
  Release from obligation to pay premium if a policyholder suffers from total permanent disability or from one or more of 49 critical illnesses.
• Payor Protection
  Release from obligation to pay premium if policyholder dies due to an accident.

Spouse Payor Benefit &  Spouse Payor Protection

• Spouse Payor Benefit
  Release from obligation to pay premium if the spouse of a policyholder suffers from total permanent disability or from one or more of 49 critical illnesses.
• Spouse Payor Protection
  Release from obligation to pay premium if the spouse of policyholder dies due to an accident.

Flexi Care

We do not expect to get sick and sickness normally happens without prior notice. While you are doing your activities Allianz protects you from unexpected cash payments for hospital expenses. If the insured one gets sick or suffers an accident that must be taken care of in a hospital, Allianz pays for room expenses, surgery expenses etc. as you can see in table below during a maximum of 180 days per year.

The table below shows benefits of 1 unit. You can choose a maximum of 10 units.

 

	Benefit
	Rupiah	US$
Hospitalization due to sickness (max. 180 days per year)	Rp. 100,000 per day	USD 10 per day
Hospitalization due to accident   (max. 180 days per year)	Rp. 200.000 per day	USD 20 per day
Surgery due to accident (lump sum) ·     Complicated ·     Major ·     Intermediate ·     Minor	Rp.  2.000.000 Rp.  1.300.000 Rp.     900.000 Rp.     500.000	USD   200 USD   130 USD     90 USD     50
Surgery due to accident (lump sum) ·     Complicated ·     Major ·     Intermediate ·     Minor	Rp.  4.000.000 Rp.  2.600.000 Rp.  1.800.000 Rp.  1.000.000	USD   400 USD   280 USD   180 USD   100
Recovering benefit (sickness) if hospitalized more than 30 days	Rp.  1.000.000 lump sum	USD 100 lump sum
Recovering benefit (accident) if hospitalized more than 30 days	Rp.  2.000.000 lump sum	USD 200 lump sum