Contribution returns up to 165%
Celebrate Your Aspirations with Guaranteed Benefits Up to 165%
RAYA Pro Maxima
RAYA Pro Maxima
RAYA Pro Maxima is a Sharia-based dual-purpose insurance product that offers annual living benefits, death benefits, and end-of-term insurance benefits.
Advantages of RAYA Pro Maxima
Total Scheduled Annual Benefits, up to 500% of Annual Contributions
Insurance Benefits up to 120% in the event of death
Flexible selection of payment terms and insurance periods
Benefits of RAYA Pro Maxima Insurance
- Death Benefit
If the Participant Dies during the Insurance Period, 100% of the Insurance Compensation will be paid, and the Annual Benefits that have not been handed over will be paid in one lump sum. In the event that the Participant's age at the time of Death has not reached 4 (four) years, the Management will hand over Insurance Benefits with the following percentage factors:
Participant's Age at DeathPercentage of Insurance Benefits surrendered<1 year20%1 year to < 2 years40%2 years to < 3 years60%3 years to < 4 years80%4 years or more100%
- Manfaat Tahunan
Pengelola akan menyerahkan Manfaat Tahunan setiap ulang tahun Polis sebesar persentase dari Kontribusi yang disetahunkan (tidak termasuk Kontribusi Kondisi Khusus (jika ada)), dengan ketentuan sebagai berikut:
*Tidak termasuk Kontribusi Kondisi Khusus (jika ada)Masa Asuransi (tahun)
Manfaat Tahunan
15 Tahun Polis ke 6 - 15: 15% Kontribusi Tahunan*
20 Tahun Polis ke 6 - 20: 15% Kontribusi Tahunan*
- Manfaat Akhir Masa Asuransi
Apabila Peserta masih hidup sampai Masa Asuransi berakhir dan status Polis tetap aktif, maka Pengelola akan menyerahkan 100% Santunan Asuransi.
- Manfaat Pengembalian Dana Tanahud
Jika Pemegang Polis mengajukan Penebusan Polis, maka Polis akan berakhir dan berlaku ketentuan pengembalian Dana Tanahud sebagaimana tercantum dalam Ikhtisar Polis. Pengembalian Dana Tanahud tidak memperhitungkan Kontribusi Kondisi Khusus (jika ada).
Product Terms for RAYA Pro Maxima
Informasi Penting
Exclusions
For the risk of Death, the Administrator will not provide Insurance Benefits due to one or more of the following conditions:
- Pre-existing Conditions; or
- Suicide, whether sane or insane, performed by the individual themselves and/or by others at the request of parties interested in the insurance; or
- War, including but not limited to invasion, rebellion, revolution, resistance against the government, military power grabs, participation in riots, strikes, and civil disturbances; or
- Deliberate illegal acts or criminal activities, terrorism, or attempted criminal activities, whether active or passive, performed by the Policyholder, Participant, or Beneficiary; or
- Death penalty based on a judicial body’s ruling; or
- Presence of Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex, or Human Immunodeficiency Virus (HIV) infection in the Participant’s body, except where HIV is acquired through blood transfusion where the source of the infection is confirmed to be from a blood transfusion institution that can trace the origin of the HIV-infected blood.
Form Registration
Please fill in the form below according to the information you want to know.
* All information below is mandatory.
For more detailed information about this product, please download the file below.
You can also contact Generali Care at the phone number 1500037 (business hours) or via email at care@generali.co.id. We will be happy to provide further explanations regarding the details of this product.
