Benefit of MyProtection Waris Syariah

• Death Benefit
  1. Subject to the Policy, if during the Insurance Period, the Insured Party passes away not as a result of an Accident or due to an Accident, We shall pay Death Benefit to the Beneficiary in the amount of 2 (two) times the Sum Assured as specified in the Policy Data or Endorsement (if any) plus any Account Value (then accrued) and the Policy shall terminate. 
  2. Payment of this Death Benefit will be reduced by any outstanding Ujrah and Tabarru’ Charge payable by You or Contribution Payor (as the case may be) for the current Policy Year and Your other outstanding obligations to Allianz.
• Accidental Death Benefit 
  1. Subject to the Policy, if during the Insurance Period, the Insured Party passed away:
     1. due to an Accident, We shall pay an additional sum of 1 (one) time the Sum Assured to the Beneficiary and the Policy shall terminate; or
     2. due to an Accident when the Insured Party using Public Transport(1) , We shall pay an additional of 2 (two) times the Sum Assured to the Beneficiary and the Policy shall terminate; or
     3. due to an Accident while on Official Hajj Pilgrimage (2) or Umrah Pilgrimage (3) in Saudi Arabia, We shall pay an additional of 3 (three) times the Sum Assured to the Beneficiary and the Policy shall terminate, under the following terms: 
        1. Official Hajj Pilgrimage commences when the Insured Party (x) enters the hajj dormitory (for Insured Party participating in Regular Hajj programs); or (y) enters the last airport of departure in Indonesia before the Insured Party depart for Saudi Arabia (for Insured Party participating in Special (non-regular) Hajj programs), and each shall end upon return of the Insured Party to the first airport in Indonesia; 
        2. Umrah Pilgrimage commences when the Insured Party arrives at the holy land (Saudi Arabia) to undertake Umrah Pilgrimage and shall end upon return of the Insured Party to the first airport in Indonesia; and 
        3. For the avoidance of doubt, this benefit is not applicable and will not be paid if the Insured Party does not return directly to Indonesia after completing Umrah Pilgrimage or Hajj Pilgrimage but stops by another country to make additional trips outside the Umrah Pilgrimage or Hajj Pilgrimage process for tourism or other purposes and passes away in that country. 
  2. Accidental Death Benefit shall only be payable to the Beneficiary if the Insured Party passes away within 90 (ninety) calendar days from the date of the Accident. 
  3. Sum Assured under this Accidental Death Benefit shall be paid in addition to Death Benefit. 
  4. This Accidental Death Benefit shall terminate on the Policy Anniversary that is closest to the date of the 70th (seventieth) birthday of the Insured Party. 
  5. Payment of this Accidental Death Benefit will be reduced by any outstanding Ujrah and Tabarru’ Charge payable by You or Contribution Payor (as the case may be) for the current Policy Year and Your outstanding obligations to Us. 

Notes:

1. Public Transport means public tranport or mass transport operating under a license from the Government that offers passenger transport services by group travel systems, available for use by the public, managed on a schedule, operated on established routes, and that may charge a fee for each trip. 
2. Offical Hajj Pilgrimage means the process to complete the hajj pilgrimage at the holy land (Saudi Arabia) using the official quota from the Government of the Republic of Indonesia. 
3. Umrah Pilgrimage means the process to complete a pilgrimage at the holy land (Saudi Arabia) beginning with an intention of ihram and followed by tawaf (going around the Kaaba), sa’i (running from Safa to Marwa) and ending with tahallul (trimming parts of hair on the head).
• Critical Illness Benefit 
  1. If, prior to the Insurance End Date, the Insured Party suffers from or is diagnosed with one of the Critical Illnesses specified in the Definitions of 77 (seventy-seven) types of Critical Illnesses, We shall pay Critical Illness Benefit in the amount of 1 (one) time the Sum Assured to You. 
  2. Payment of this Critical Illness Benefit will not result in the termination of the Policy. Therefore, to maintain the Policy, You or Contribution Payor (as the case may be) must continue payment of the Regular Contribution in accordance with the Contribution Payment Period selected by You. 
  3. Payment of the Critical Illness Benefit shall only be made 1 (once) to You for any one of the 77 (seventy-seven) types of Critical Illness in accordance with the Definitions of 77 types of Critical Illnesses protection suffered or experienced by the Insured Party; and
  4. After payment of this Critical Illness Benefit, the Critical Illness Benefit shall automatically terminate
• Maturity Benefit

If the Insured Party still alive until the Insurance End Date, We shall pay to You the Maturity Benefit in the form of Account Value accrued at the Insurance End Date. After payment of the Maturity Benefit to You, the Policy shall terminate.

1. Every Insurance Benefit shall be paid by Allianz after first deducting any overdue Contribution as well as any other obligations (if any).
2. Perlindungan menjadi tidak berlaku apabila ada hal-hal yang termasuk dalam Pengecualian sebagaimana tercantum dalam Polis.