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    Allisya Aman - Ac

    Uploaded by

    Hendra Gunawan

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Allisya Aman - Ac

    Uploaded by

    Hendra Gunawan
    20 views5 pages

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    © © All Rights Reserved

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    PDF, TXT or read online from Scribd

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    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    20 views5 pages

    Allisya Aman - Ac

    Uploaded by

    Hendra Gunawan

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 5

    TRADITIONAL

    SYARIAH PRODUCT

    Allianz Indonesia /
    Jakarta, June 2020

    Highly Confidential

    © Copyright Allianz SE
    TRADITIONAL SYARIAH PRODUCT

     The decision of Syariah National Board (DSN – MUI) No. U-209/DSN-MUI/V/2020, related to Traditional
    Syariah (Non PAYDI Syariah) product, as follow:

     Based on DPS’s opinion that Tabarru’ can not be ZERO

    Commission

    © Copyright Allianz SE 2
    TRADITIONAL SYARIAH VS CONVEN PRODUCTS
    Subject AlliSya AMAN Allianz PASTI
    Product Name AlliSya AMAN Allianz PASTI (Perlindungan Asuransi Kematian & Penyakit Kritis)

    Product Type Whole Life + Critical Illness + ADB Whole Life + Critical Illness + ADB

    Benefit • Protection Benefits: • Protection Benefits:


     100% SA if diagnosed one of 77 CI covered (pay as  100% SA if diagnosed one of 77 CI covered (pay as additional,
    additional, not accelerated) not accelerated)
     200% SA if dies due to non-accident/sickness  200% SA if dies due to non-accident/sickness
     300% SA if dies due to accident  300% SA if dies due to accident
     400% SA if dies due to accident in public transportation  400% SA if dies due to accident in public transportation
     500% SA if dies due to accident during Umrah/Hajj
    • Maturity Benefit: • Maturity Benefit:
     Saving balance, not guaranteed (range xx% - yy% SA,  100% Sum Assured (guaranteed)
    depend on entry age)
    Protection Up to age 86 years old Up to age 86 years old
    Period
    Currency IDR IDR
    Contribution 5 years, 10 years, 15 years, 20 years or same with protection 5 years, 10 years, 15 years, 20 years or same with protection period
    Payment Period period
    Note: the product feature & benefit (including the Contribution) is indicative subject to DPS, Allianz’s Regional & OJK
    © Copyright Allianz SE 3
    TRADITIONAL SYARIAH VS CONVEN PRODUCTS
    Subject AlliSya AMAN Allianz PASTI
    Entry Age 1 month – 70 years 1 month – 70 years

    Premium The premium amount is the same with Allianz PASTI The premium amount is the same with AlliSya AMAN

    Underwriting Full UW Full UW

    Surrender Savings balance (not guaranteed) Cash Value (guaranteed)


    Policy Loan Not available Not available
    Automatic Available with no interest Available with interest
    Premium Loan
    Contribution The contribution allocation will be divided into: Not available
    Allocation a. Ujrah
    b. Tabarru
    c. Saving
    The amount will be different based on Contribution Payment
    Period and Classes of Age
    Surplus UW 60% customer Not available
    20% Tabarru’s fund
    20% Allianz

    Note: the product feature & benefit (including the Contribution) is indicative subject to DPS, Allianz’s Regional & OJK
    © Copyright Allianz SE 4
    TRADITIONAL SYARIAH VS CONVEN PRODUCTS
    Subject AlliSya AMAN Allianz PASTI
    Commission CPP: 5 years CPP: 10 years PPP: 5 years PPP: 10 years
    Year Commission Year Commission Year Commission Year Commission

    1 15% 1 20% 1 20% 1 25%


    2 5% 2 15% 2 5% 2 15%
    3-5 5% 3-5 5%

    CPP: 15 years CPP: 20 years / same PPP: 15 years PPP: 20 years / same
    with protection period with protection period
    Year Commission Year Commission
    Year Commission Year Commission
    1 23.25% 1 30%
    2 20% 1 23.25% 2 25% 1 30%

    3-5 5% 2 23.25% 3-5 5% 2 30%


    3-5 5% 3-5 5%

    Note: the product feature & benefit (including the Contribution) is indicative subject to DPS, Allianz’s Regional & OJK
    © Copyright Allianz SE 5

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