Benefit of MyProtection RENCANA (sejahteRa dENgan renCANa keuangan mAtang) Syariah

1. Death Benefit
   By still following the General Policy Terms, if during the Insurance Period the Insured passes away, PT. Asuransi Allianz Life Syariah Indonesia will pay the Death Benefit to the Beneficiary under the following conditions :
   1. If the Insured passes away within 2 (two) years from the Policy Effective Date, then the Death Benefit that PT. Asuransi Allianz Life Syariah Indonesia will pay to the Beneficiary is 105% (one hundred and five percent) of the total Contributions paid by You or the Contributor (whichever is applicable) and received by PT. Asuransi Allianz Life Syariah Indonesia, plus the Savings Balance (available at that time), and the Policy terminates; or
   2. If the Insured passes away after 2 (two) years from the Policy Effective Date, then the Death Benefit that will be paid by PT. Asuransi Allianz Life Syariah Indonesia to the Beneficiary is 100% (one hundred percent) of the Insurance Sum for the Basic Insurance, as stated in the Policy Data or Endorsement, if any. In this case, (i) the Policy related to the Basic Insurance will remain in force until the End Insurance Date, unless terminated earlier according to the Policy terms and conditions; and (ii) Additional Insurance (if any) will terminate if the Terms and Conditions of the Additional Insurance stipulate that the Additional Insurance terminates upon the Insured's death.
2. Accidental Death Benefit
   1. By still following the General Policy Terms, When during the insurance period the Insured Party passes away due to an accident, PT. Asuransi Allianz Life Syariah Indonesia will pay the Death Benefit due to the accident. You will pay the Death Benefit due to the accident to the Beneficiary under the following conditions:
      1. If the Insured Party passes away due to an Accident within 2 (two) years from the Effective Date of the Policy, PT. Asuransi Allianz Life Syariah Indonesia will pay the Death Benefit due to the Accident amounting to 105% (one hundred five percent) of the total Contributions paid by You or the Contributor (whichever is applicable) and received by PT. Asuransi Allianz Life Syariah Indonesia, and the Policy will terminate; or
      2. If the Insured Party passes away due to an accident after 2 (two) years from the Effective Policy Date, PT. Asuransi Allianz Life Syariah Indonesia will pay the Death Benefit due to the accident amounting to 100% (one hundred percent) of the Insurance Benefit for the Basic Insurance, as stated in the Policy Data or Endorsement, if any. In this case, (i) the Policy related to the Basic Insurance will remain in force until the Insurance End Date, unless terminated earlier in accordance with the terms and conditions of the Policy; and
      3. Additional insurance (if any) will terminate if the terms and conditions of the additional insurance stipulate that the additional insurance terminates when the Insured Party passes away
   2. The Death Benefit due to Accident to be paid by PT. Asuransi Allianz Life Syariah Indonesia under this Policy is up to the maximum amount of IDR5,000,000,000 (five billion Indonesian Rupiah).
   3. This Death Benefit due to Accident will be paid as an addition to the Death Benefit.
   4. This Death Benefit due to Accident will only be paid to the Beneficiary if the Insured Party passes away within 90 (ninety) calendar days from the date of the Accident occurrence. This benefit will only be paid if the Insured passes away within 90 (ninety) days from the date of the Accident.
3. Contribution Exemption Benefit
   If the Insured Party passes away after 2 (two) years from the Effective Policy Date, and the claim for this Contribution Exemption Benefit has been approved by PT. Asuransi Allianz Life Syariah Indonesia, PT. Asuransi Allianz Life Syariah Indonesia will provide the Contribution Exemption Benefit under the following terms and conditions:
   
   1. You or the Contributor (whichever is applicable) will be exempted from the obligation to pay the Basic Insurance Contribution, effective from the next Contribution Due Date (after the date of claim approval by PT. Asuransi Allianz Life Syariah Indonesia) until the end of the Contribution Payment Period; and
   2. Effective from the next Contribution Due Date (after the date of claim approval by Us) until the end of the Contribution Payment Period, PT. Asuransi Allianz Life Syariah Indonesia will allocate funds (taken from the Tabarru' Fund) into the Savings Balance (as determined in the Policy) on each Contribution Due Date.
4. Benefits of the Plan Stages
   1. The Death Benefit due to Accident to be paid by PT. Asuransi Allianz Life Syariah Indonesia under this Policy is up to the maximum amount of IDR5,000,000,000 (five billion Indonesian Rupiah).
   2. If the Insured Party is still alive on the End Date of Insurance and the Policy is still valid (inforce), then:
      1. At the end of the 11^th Policy Year, we will provide the Tahapan RENCANA Benefit to you in the amount of the available Savings Balance* at the end of that 11th Year; and
      2. At the end of the 18^th Policy Year, we will provide the PLAN Stage Benefit to you amounting to 60% (sixty percent) of the Insurance Benefit for the Basic Insurance, as stated in the Policy Data or Endorsement, if any. After the payment of this Tahapan RENCANA Benefit is made by us to you, the Policy will terminate.

Every Insurance Benefit will be paid by PT. Asuransi Allianz Life Syariah Indonesia after deducting any other obligations (if any).

(The available Savings Balance at the end of the 11^th Policy Year is projected to be 50% (fifty percent) of the Insurance Benefit. However, PT. Asuransi Allianz Life Syariah Indonesia does not guarantee the accuracy of this projected value, so the amount of the Tahapan RENCANA Benefit paid in the 11^th Policy Year will remain the actual available Savings Balance at that time.