Cemerlang Prime

Life Protection with Premium Return of up to 150%

Protection with guaranteed bonuses, perfectly supporting your ambitions

Life Protection with Premium Return of up to 150%

Protection with guaranteed bonuses, perfectly supporting your ambitions

Cemerlang Prime is specifically designed to provide term life insurance protection with a living benefit in the form of premium return at the end of the coverage period and payment of the insurance benefit amount.

For more detailed information about this product, please download the file below.

Cemerlang Prime Brochure

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General Product and Service Information Summary (RIPLAY) Cemerlang Prime

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Advantages of Cemerlang Prime

Memberikan perlindungan Asuransi jiwa untuk risiko Meninggal Dunia

Memberikan Manfaat Asuransi berupa pengembalian Premi sampai dengan 150% dari Premi yang telah diterima Penanggung

Fleksibilitas cara pembayaran premi sesuai pilihan Nasabah

Benefits of Cemerlang Prime

100% Uang Pertanggungan akan dibayarkan apabila terjadi risiko kematian karena sebab apapun.

100% Uang Pertanggungan akibat apapun ditambah 100% Uang Pertanggungan Meninggal Dunia akibat Kecelakaan apabila terjadi risiko kematian karena Kecelakaan. Maksimal Uang Pertanggungan Meninggal Dunia akibat Kecelakaan yang dapat dibayarkan adalah sebesar Rp2.000.000.000,- per Tertanggung.

Memberikan manfaat akhir Masa Pertanggungan Asuransi sebesar persentase tertentu dari total Premi yang telah diterima oleh Penanggung apabila Tertanggung tetap hidup sampai dengan Akhir Masa Pertanggungan.

Terms and Conditions of Cemerlang Prime

Ilustrasi Cemerlang Prime

Brilliant Prime Illustration Scenario

Scenario 1:

Mr. Rico passed away due to illness in the 3rd year of the policy, so the death benefit paid out was Rp500,000,000, and the policy subsequently ended.

Scenario 2:

Mr. Rico had an accident and passed away in the 5th year of the policy, so the death benefit paid out was Rp1,000,000,000, and the policy subsequently ended.

Scenario 3:

Mr. Rico survived until the end of the 20th year of the policy, so the final insurance benefit is a premium refund amounting to Rp5,170,000/year x 10 years x 135% = Rp69,795,000, and the policy subsequently ended.

Ketentuan Cemerlang Prime

Exclusions

The following circumstances may invalidate the Basic Insurance benefits for death not resulting from an accident:

Suicide in a state of mental stability or instability performed by oneself and/or by others at the direction of an interested party in the coverage, if such action occurs within 1 year from the Policy Issuance Date or the Policy Renewal Date, whichever occurs later; or
War, including but not limited to invasion, rebellion, revolution, resistance against the government, military power grabs, participation in riots, strikes, civil disturbances; or
Deliberate unlawful acts or criminal offenses, terrorism, or attempts at criminal acts, whether active or not, committed by the Policyholder, Insured, or Beneficiary; or
The death penalty based on a judicial ruling.
Further information on exclusions can be referred to the Policy you will receive.