RAYA Pro Maxima

RAYA Pro Maxima

Celebrate Your Aspirations with Guaranteed Benefits Up to 165%

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.

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.

Advantages of RAYA Pro Maxima

Benefits of RAYA Pro Maxima Insurance

  • Manfaat Meninggal Dunia
    Apabila Peserta Meninggal Dunia pada Masa Asuransi, maka akan dibayarkan 100% Santunan Asuransi, serta Manfaat Tahunan yang belum diserahkan akan dibayarkan secara sekaligus. Dalam hal usia Peserta pada saat Meninggal Dunia belum mencapai 4 (empat) tahun, maka Pengelola akan menyerahkan Manfaat Asuransi dengan faktor persentase sebagai berikut:

    Usia Peserta saat Meniggal Dunia
    Persentase dari Manfaat Asuransi yang diserahkan
    < 1 tahun
    20%
    1 tahun s/d < 2 tahun
    40%
    2 tahun s/d < 3 tahun
    60%
    3 tahun s/d < 4 tahun
    80%
    4 tahun atau lebih
    100%

  • 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:

    Masa Asuransi (tahun)
    Manfaat Tahunan
    15 Tahun Polis ke 6 - 15: 15% Kontribusi Tahunan*
    20 Tahun Polis ke 6 - 20: 15% Kontribusi Tahunan*
    *Tidak termasuk Kontribusi Kondisi Khusus (jika ada)

  • 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

Policyholder Entry Age based on the nearest birthday Policyholder: 18 - 90 years old
Participant Entry Age based on the nearest birthday Insurance Period of 15 years: 31 days - 55 years old
Insurance Period of 20 years: 31 days - 50 years old
Insurance Period 15 years or 20 years
Contribution Payment Period 5 years
Minimum Contribution Rp24,000,000 per year
Policy Currency Rupiah
Contribution Payment Methods Annually, Semi-annually, Quarterly, or Monthly

Informasi Penting

Exclusions

For the risk of Death, the Administrator will not provide Insurance Benefits due to one or more of the following conditions:

  1. Pre-existing Conditions; or
  2. Suicide, whether sane or insane, performed by the individual themselves and/or by others at the request of parties interested in the insurance; or
  3. War, including but not limited to invasion, rebellion, revolution, resistance against the government, military power grabs, participation in riots, strikes, and civil disturbances; or
  4. Deliberate illegal acts or criminal activities, terrorism, or attempted criminal activities, whether active or passive, performed by the Policyholder, Participant, or Beneficiary; or
  5. Death penalty based on a judicial body’s ruling; or
  6. 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.