Mega Prima Link

Unit Linked Life Insurance product that provide complete and optimal protection benefits with the investment options.

Benefits

  1. Provide death benefit in the form of Sum Assured.
  2. Provide flexibility to choose the type of long term investment.
  3. Extending insurance coverage by having additional insurance (riders).

Product Benefit

Terms & Conditions

Entry Age as Policyholder

Insured: 1 Year - 65 years (nearest birthday)
Policyholder: 18 Years - 85 years (nearest birthday)

Insurance Period

Until the Insured is 100 years old

Marketed Through

Bancassurance distribution channels

Currency

Rupiah (IDR)

Premium Payment

Annual & Monthly

Mega CI Plus

Rider product that provide protection if the Insured is diagnosed with Critical Illness , starting from the early stage, intermediate stage, to the advanced stage, plus additional benefits such as Angioplasty, Laser Treatment or Coronary Atherectomy.

 

BENEFITS

  1. If the Insured is diagnosed and declared to suffer one of the Critical Illness in the Early Stage, the Insurer will pay 50% (fifty percent) of Sum Assured, and the coverage of Mega CI Plus Rider is continuing. The insured may claim maximum of 2 times with different Early Stage Critical Illness Diagnosis.
  2. If the Insured is diagnosed and declared to suffer one of the Critical Illness in the Intermediate Stage, the Insurer will pay maximum of 100% (one hundred percent) of Sum Assured and the Insured may claim only 1 time, and then the coverage of Mega CI Plus Rider will be terminated.
  3. If the Insured is diagnosed and declared to suffer one of the Critical Illness in the Advanced Stage, the Insurer will pay maximum of 100% (one hundred percent) of Sum Assured and the Insured may claim only 1 time, and then the coverage of Mega CI Plus Rider will be terminated.
  4. The benefits of Angioplasty, Laser Treatment or Coronary Atherectomy will be paid:
  • Maximum of 25% (twenty five percent) of Sum Assured of Mega CI Plus Rider and not exceeding Rp 75,000,000 (seventy-five million Rupiah), apply to all Mega CI Plus Rider from all Insured’s Policies.
  • Angioplasty, Laser Treatment or Coronary Atherectomy claims payments are valid only 1 (one) time during the Insurance Period of Mega CI Plus Rider.
  • In the event that the Insurer has paid the benefit of Angioplasty, Laser Treatment or Coronary Atherectomy then the claim submission for other Critical Illness, upon approval of the Insurer shall be paid only the difference between Sum Assured of Mega CI Plus Rider with the benefits of Angioplasty, Laser Treatment or Coronary Atherectomy that has been paid.

 

Maximum Benefit is 150% (one hundred and fifty percent) of Sum Assured of Mega CI Plus Rider with maximum amount is Rp 1.500.000.000 (one billion five hundred million Rupiah) per Insured.


List of Critical Illness Conditions : Click Here

Mega PA Risiko A (Personal Accident)

Additional life insurance product that provide benefits in the form of Sum Insured if the Insured dies by accident.

 

BENEFITS

100% Sum Assured if the Insured dies by accident.


Mega PA Risiko AB (Personal Accident)

Additional life insurance product that provide benefits in the form of Sum Insured if the Insured dies or suffers permanent disability in total / partially by accident.

 

BENEFITS

  • Risk A
    100% Sum Assured if the Insured dies by accident.
  • Risk B
    100% of Sum Insured if the Insured suffers total permanent disability due to accident.
    A maximum percentage of Sum Assured with a maximum of 100% of Sum Insured if the Insured suffers permanent disability in part by accident.

Total Fixed Defects i.e. loss of function and / or limb parts as follows:

  • Both hands;
  • Both feet;
  • Both eyes;
  • One hand and one leg;
  • One hand and one eye;
  • One foot and one eye.

Permanent Partial Disability, the loss of function : Click Here

Mega HCP (Hospital Cash Plan)

Additional life insurance product that provide daily hospitalization benefits if the Insured is hospitalized.

 

BENEFITS

  1. Provide daily benefits if the Insured is hospitalized (either ICU / ICCU or Non ICU) at the hospital due to illness or accident.
  2. Daily benefit benefits ranging from Rp 100,000 per day up to Rp 2,000,000 per day.
  3. The benefits of ICU / ICCU hospitalization amounted to 2 times the daily hospitalization benefit.
  4. Minimum treatment 2x24 hours and maximum 180 calendar days for 1 year policy.

Mega HCP Plus (Hospital Cash Plan Plus)

Additional life insurance product that provide daily hospitalization and surgery benefits if the Insured is hospitalized.

 

BENEFITS

  1. Provide daily benefits if the Insured is hospitalized (either ICU / ICCU or Non ICU) at the hospital due to illness or accident.
  2. Daily benefit benefits ranging from Rp 100,000 per day up to Rp 2,000,000 per day.
  3. The benefits of ICU / ICCU hospitalization amounted to 2 times the daily hospitalization benefit.
  4. Benefit for surgery for hospital receipt with maximum 20 times daily benefit.
  5. Minimum treatment 2x24 hours and maximum 180 calendar days for 1 year policy.

Mega WP (Waiver of Premium)

Additional life insurance products that provide benefits in the form of basic premium exemption if the Insured suffers permanent disability.

 

BENEFITS

Exemption of premium payment obligation in accordance with the premium payment period if the Insured suffers permanent disability.

 

OTHER TERMS

The Policyholder must be the same as the Insured.


Mega Parent Payor

Additional life insurance product that provide benefits in the form of basic premium exemption and premium top up periodically if the Policyholder dies or suffers total permanent disability before the Insured reaches the age of 25 years.

 

BENEFITS

The exemption from the obligation to pay the basic premium and the premium top up periodically according to the period of premium payment if the Policyholder dies or suffers total permanent disability before the Insured reaches the age of 25 years.

 

OTHER TERMS

The Policyholder is the Insured's parent.


Mega Spouse Payor

Additional life insurance products that provide benefits in the form of basic premium exemption and premium top up periodically if the Policyholder dies or suffers total permanent disability before the Insured reaches the age of 60 years.

 

BENEFITS

The exemption from the obligation to pay the premium and the premium top up periodically according to the period of premium payment if the Policyholder dies or suffers total permanent disability before the Insured reaches the age of 60 years

 

OTHER TERMS

Policyholder is the Insured Person.


Product Rider

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Product Brochure - Mega Prima Link
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Product Summary - Mega Prima Link
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Effective since July 16, 2018, PT Asuransi Jiwa Mega Indonesia has changed to PT PFI Mega Life Insurance
New Address

Jl. TB. Simatupang Kav. 88, Pasar Minggu, Jakarta Selatan 12520, Indonesia

Tel.+62 21 29545555

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