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Davestera Product Detail Content - Prioritas

Product Details

Information

Provisions for Allocation of Investment Fees from the Amount of Premium Paid

Main Benefit

  • Died within the insurance period of 100% JUP + Investment Value
  • Life at the end of the contract is the Investment Value at the end of the contract
  • Resign during the insurance period equal to the Investment Value at the time of resignation

Additional Benefit

  • Term
  • Personal Accident Plus
  • TP Disability
  • Critical illness
  • Health Protection
  • Hospitalization CP
  • Waiver of Premium
  • Payor Death Protection
  • Payor Benefit
  • Spouse Death Protection
  • Spouse Benefit

Conditions

  • Entry age: 1 - 60 years, Policy holder age: 21 - 55 years.

  • Insurance Period Up to 100 Years of Insurance Age

  • General Terms of Premium:

 

How to Pay Periodic Total Premium Periodic Basic Premium Periodic Topup Premium
Yearly 3.000.000 2.400.000 600.000
Semester 1.500.000 1.200.000 300.000
Monthly 250.000 200.000 50.000

** Periodic Total Premium = Periodic Basic Premium + Periodic Top Up Premium
*Regular Top Up Premium minimum 25% Periodic Basic Premium and maximum 400% Periodic Basic Premium​​​​​​​

Provisions for Allocation of Investment Fees from the Amount of Premium Paid

Policy Year : Cost Percentage of Periodic Basic Premium Percentage of Periodic Basic Premium for Investment Allocation
1 60% 40%
2 60% 40%
3 60% 40%
4 80% 20%
5 90% 10%
6, etc 100% 0%
     

Terms of Withdrawal of Investment Value

  • The Policy Holder submits the withdrawal of the entire Investment Value (surrender policy), the Investment Value will be paid in the amount of the Investment Value according to the age of the Policy at the time of resignation, and the Insurance ends (terminated).
  • Minimum withdrawal of Rp. 500,000,- per transaction;
  • No withdrawal fees
  • Minimum balance after withdrawal Rp. 1.000.000,- per policy.

Mutual Funds / Investment Instrument Specifications

Unit Linked Type Currency Deskripsi Investasi Risk
Darlink AMAN Money Market Rupiah On money market instruments and fixed income with maturities of less than 1 year Low
Darlink STABIL Bonds Rupiah On stock, fixed income and money market instruments Medium
Dalink DINAMIS Mix Rupiah On stock, fixed income and money market instruments Medium to High
Darlink AGRESIF Stocks Rupiah On stock, fixed income and money market instruments High