Life protection up to 100 years that helps maintain financial stability and provides a foundation for the well-being of future generations.
iFlexy Guard
iFLEXYGUARD provides peace of mind for you and your family, and allows you to pass on your assets as a foundation for the well-being of future generations.
For more detailed information about this product, please download the file below:
You can also contact Generali Care at 1500037 (business hours) or via email at care@generali.co.id. We will be happy to provide further details about this product.
Advantages of iFLEXYGUARD
Transfer wealth to create a better life for you and your family.
Financial preparation for a peaceful future.
A valuable legacy for future generations
Benefits of iFLEXYGUARD
1. Death Benefits
a. Before the Policy Issue Date and the first Premium is received and declared paid in full by the Insurer:
- If the Insured Dies not due to an Accident, the Insurer will return the first Premium to the Beneficiary that has been paid to the Insurer and the insurance protection ends.
- If the Insured Dies due to an Accident, the Insurer will pay Death Benefits to the Beneficiary in the amount of 100% (one hundred per hundred) of the Sum Insured or a maximum of Rp25,000,000 (twenty five million Rupiah), and 100% (one hundred per hundred) of the first Premium that has been paid to the Insurer and the insurance protection ends.
b. Since the Policy Issuance Date, if the Insured Dies and the Policy is still valid, the Insurer will pay the Death benefit of:
| Policy Year when the Insured Dies | Percentage of Sum Insured Paid |
| 1 – 5 | 100% (one hundred per hundred) |
| 6 – 10 | 150% (one hundred and fifty per hundred) |
| 11 and so on | 200% (two hundred per hundred) |
after deducting outstanding obligations (if any) and then the Policy ends.
c. If the Insured Dies not due to an Accident and the Insured's age has not reached 4 (four) years, the Insurer will pay the Insurance Benefit in the form of Insurance Money as stated in the Policy with the following percentage factors: "
| Age of the Insured at the
time of Death |
Percentage of Insurance Money
paid |
| < 1 year | 20% (twenty per hundred) |
| 1 year to < 2 years | 40% (forty per hundred) |
| 2 years to < 3 years | 60% (sixty per hundred) |
| 3 years to < 4 years | 80% (eighty per hundred) |
| 4 years or more | 100% (one hundred per hundred) |
2. Additional Death Benefit Due to Accident After the Policy Issuance Date
If the Insured Dies Due to an Accident and the Policy is still valid, the Insurer will pay an additional Death benefit of 100% (one hundred per hundred) of the Insurance Money, with a maximum Additional Accidental Death Benefit of Rp1,000,000,000 (one billion Rupiah).
3. Living Benefit (Bonus 75)
If the Insured is still alive and the Policy is still valid, the Insurer will pay 50% (fifty per hundred) of the Sum Insured on the Policy Anniversary when the Insured reaches the age of 75 (seventy five) years and then the Policy is still valid. This Living Benefit will reduce the Death Benefit and Cash Value formed.
4. End of Insurance Period Benefit
If the Insured is still alive until the end of the insurance period, the Insurer will pay a benefit of 150% (one hundred and fifty per hundred) of the Sum Insured and then the Policy ends.
iFlexy Guard Terms and Conditions
Exclusions for iFLEXYGUARD
1. For risks related to Death not due to Accident, the Insurer will not pay the Insurance Benefit in case of any of the following conditions:
- Suicide, whether sane or insane, committed by oneself and/or by others at the behest of those with a vested interest in the coverage if the act occurs within 1 (one) year from the Policy Issuance Date or Policy Restoration Date, whichever is later; or
- War, including but not limited to invasion, rebellion, revolution, resistance against the government, military coup, participation in riots, strikes, and civil disturbances; or
- Deliberate unlawful acts or criminal activities, terrorism, or attempted criminal acts, whether active or passive, committed by the Policyholder, Insured, or Beneficiary; or
- Death penalty based on a judicial ruling; or
2. For risks related to Death due to Accident, the Insurer will not pay the Insurance Benefit in case of any of the following conditions:
- Suicide, whether sane or insane, committed by oneself and/or by others at the behest of those with a vested interest in the coverage within 1 (one) year from the Policy Issuance Date or the date of restoration, whichever is later; or
- Abuse and/or any actions related to the use of alcohol, narcotics, drugs, controlled substances, poison, gas, nuclear radiation, and similar substances done deliberately, except if such substances are prescribed by a doctor; or
- Deliberately facing or entering dangers that are not necessary (except when attempting to save a life); or
- As a passenger or crew member on an aircraft other than scheduled and licensed commercial flights; or
- Engaging in hazardous activities such as parachuting, diving, hang gliding, car racing, motorboat racing, motorcycle racing, bungee jumping, white-water rafting, contact sports, rock climbing, cave exploration, and other similar high-risk sports; or
- War, including but not limited to invasion, rebellion, revolution, resistance against the government, military coup, participation in riots, strikes, and civil disturbances; or
- As a result of illness, natural causes, medical treatment, or surgery, whether directly or indirectly.
Form Registration
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For more detailed information about this product, please download the file below:
You can also contact Generali Care at 1500037 (business hours) or via email at care@generali.co.id. We will be happy to provide further details about this product.
