Benefit of  MyProtection Infinite II

• Death Benefits
  If during the insurance period the insured dies, then PT Asuransi Allianz Life will pay the death benefit to the beneficiary in the amount of which is greater between: 
  1. The Sum Insured of Life on the date of approval of the claim; or
  2. 5 (five) times of the value of the annualized Periodic Basic Premium,
  added with investment benefits in the form of the balance of the Investment Value that existed on the date the death benefit claim was approved.
• Critical Illness Benefit (CI Accelerated)   
  1. If during the Insurance Period the Insured suffers from one of the Critical Illnesses, as diagnosed by a specialist Doctor (as specified in the Special Conditions of the Policy), PT Asuransi Allianz Life will pay the Critical Illness Benefit to the Policyholder in the amount of Critical Illness Sum Assured after We receive and approve the evidence claims submitted by the Policy Holder.
  2. The maximum amount of Critical Illness Coverage that PT Asuransi Allianz Life can pay for this policy is IDR5,000,000,000 (five billion Rupiah). 
  3. Payment of the Critical Illness Benefit :
     • will only be paid 1 (one) time during the Insurance Period 
     • will be done after calculating all other obligations of the Policy Holder under the Policy, if any 
     • reduce the sum insured (for the purpose of calculating the sum insured) in the amount of sum insured for critical illness that has been paid; And
     • will automatically result in the end of this Critical Illness Benefit.
  4. If the Insured still alive for 3 (three) years from the date of diagnosis of one of the Critical Illnesses and the submission of a claim has been approved by PT Asuransi Allianz Life, then the sum insured (which has previously been deducted from the sum insured of critical illness that has been paid) will return to normal for the purpose of calculating the Life Coverage Value.
• Investment Benefit
  PT Asuransi Allianz Life will pay this benefit in the amount of the investment value balance contained in this policy in case: 
  1. The insured dies during the Insurance Period, to the Beneficiary; or
  2. The Insured lives until the end of the Insurance Period, to the Policy Holder; or
  3. Your Policy is cancelled, with Investment Value left after deducting the Policy Redemption Fee (if applicable) and other obligations (if any), to the Policy Holder.
• Persistence Bonus Benefits
  PT Asuransi Allianz Life will pay a Persistence Bonus Benefit to Policyholders at the end of the 5th (fifth) Policy Year in the amount of 70% (seventy percent) of the total Periodic Basic Premium that has been paid or the Annual Basic Periodic Premium in the 1st(first) Policy Year (but excluding Periodic Top Up Premium and/or Single Top Up Premium (if any)) with the following terms and conditions :      
1. The policy can never be canceled or expired and must always be active;
2. The insured is still alive at the end of the 5^th (fifth) Policy;
3. Periodic Basic Premium from the Effective Policy Date until the end of the 5^th (fifth) Policy Year is always paid on time;
4. The Policyholder has never withdrawn the Investment Value of the Periodic Basic Premium from the Effective Date of the Policy until the end of the 5^th (fifth) Policy Year;
5. The value of the Persistence Bonus Benefit will be used to buy Units in accordance with the sub-fund of your choice which is recorded last in our system with reference to the Unit Price at the end of the 5^th (fifth) Policy Year and according to the percentage of Investment Fund allocation recorded last in our system. The unit purchased will be an addition to the Periodic Basic Premium Unit; and
6. The Benefits of the Persistence Bonus will end after the process referred to point (e) above is completed.
• End of Contract Benefit 
  If the Insured is still alive until the End of Coverage Date for Basic Insurance, then PT Asuransi Allianz Life will pay the investment benefits in the form of the entire balance of Investment Value (if any) to the Policy Holder.    

Additional Benefit option (Rider) of MyProtection Infinite II :investment benefits in the form of the entire balance of Investment Value (if any) to the Policy Holder.


1. Compensation for 100 critical illness conditions (CI 100). 
2. Compensation for death & permanent disability due to an accident (ADDB).
3. Total permanent disability compensation due to illness/accident, with options:
   • Does not reduce the value of Basic Life Sum Assured (TPD).
   • Reduce the value of Basic Life Sum Assured (TPD Accelerated).
1. Reimbursement of hospital care costs according to bills around the world (Prime Medical Protection).
2. Premium Payment by Allianz if the Premium Payer/Spouse:
3. Passed away (Payor Protection, Spouse Payor Protection).
4. Diagnosed with a critical illness / total permanent disability (Payor Benefit, Spouse Payor Benefit).
5. Additional Coverage only available for new Policy submissions.
6. Special CI 100 Additional Coverage is only available in basic policies with a choice of Rupiah currency.
7. Prime Medical Protection cannot be taken together with Additional Hospital & Surgical+ Coverage in other products (if any).

Notes :

In the event that you submit to PT Asuransi Allianz Life a request not to apply the elimination period and/or waiting period (whichever is appropriate) in relation to the additional coverage that you have chosen ("Additional Application"), you, the prospective insured, the prospective premium payer and/or the prospective Premium Paying Spouse (whichever is appropriate) must meet additional requirements that We will determine in accordance with Our underwriting policy. We reserve the right to refuse an Additional Application submitted in the event that you, the prospective Insured, the prospective Premium Payer and/or the prospective Premium Paying Spouse (whichever is appropriate) do not meet the requirements of our underwriting policy.

Sub Fund Options

Investment Strategy
Risk Level	Sub Fun Option	Money Market Instruments	Fixed Income Instruments	Stock Instruments	Allocation of Share Instruments
					In Indonesia	Offshore	Cost (1)
	Smartlink Rupiah Money Market Class B Fund	100%	0%	0%	100%	-	1,5%
	Smartlink Rupiah Fixed Income Class B Fund	0-20%	80-100%	0%	100%	-	2%
	Smartlink Dollar Managed Class B Fund	0-20%	80-100%	0%	100%	-	1,5%
	Smartlink Rupiah Balanced Class B Fund	100%		25-50%	100%	-	2%
	Smartwealth Dollar Multi Asset Class B Fund	0-20%	0-79%	0-79%	-	100% (2)	1,75%
	Smartlink Rupiah Balanced Plus Class B Fund	25-50%		50-75%	100%	-	2%
	Smartwealth Liquiflex LQ45 Class B Fund	0-79%	0%	0-79%	100%	-	2%
	Smartlink Rupiah Equity Class B Fund	0-20%	0%	80-100%	100%	-	2%
	Smartwealth Equity Small Medium Capital Class B Fund	0-20%	0%	80-100%	100%	-	2%
	Smartwealth Dollar Asia Pacific Class B Fund	0-20%	0%	80-100%	-	100% (3)	2%
	Smartwealth Equity Indoconsumer Class B Fund	0-20%	0%	80-100%	100%	-	2%
	Smartwealth Equity Infrastructure Class B Fund	0-20%	0%	80-100%	100%	-	2%
	Smartwealth Rupiah Equity Rotation Class B Fund	0-20%	0%	80-100%	100%	-	2%
	Smartwealth Dollar Equity All China Class B Fund	0-20%	0%	80-100%	-	100% (4)	2%
	Smartwealth Rupiah Equity Sustainable Indonesia Fund	0-20%	0%	80-100%	100%	-	2%

Konservatif

Moderat

Moderat

Agresif

Notes :

⁽¹⁾ Investment Management Fee for the Investment Fund per year based on the choice of Sub Funds 
⁽²⁾ In global market
⁽³⁾ In Asia Pasific