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Davestera Optima

DAVESTERA OPTIMA is a unit link insurance program that provides protection while optimizing our investment funds by paying a single premium.

Davestera Optima Product Detail

Product Details

Information

unit link insurance product that provides protection while optimizing our investment funds by paying a single premium.

Benefits

Main Benefits:

 

  • Died: 100% JUP + Investment
  • Accident: 200% JUP + Investment (accident insurance up to 65 years old)
  • Life at the end of the contract: The investment value at the end of the contract
  • Resigned: Investment Value at the time of resigning

 

Additional Benefit

 

  • Term
  • Personal Accident Plus
  • Total Permanent Disability
  • Critical illness
  • Hospital Cash Plan

Product terms

  • Entry age: 1 - 65 years, age of policy holder min. 21 years
  • Insurance period until the insured age is 100 years
  • Minimum Premium Requirement: IDR 15,000,000
  • Premium Payment: Single / Simultaneous
  • Sum assured: 150% of single premium

Investment value withdrawal conditions

  • 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 policy's age at resignation, and the insurance will be terminated.
  • Minimum withdrawal of Rp. 500,000, - per transaction;
  • No withdrawal fees;
  • Minimum balance after withdrawal is Rp. 1,000,000, - per policy.

Fund Specifications or Investment Instruments

Unit Linked Type Currency Investment Description Risk
Darlink Aman Money Market Rp On instruments and fixed income with maturities of less than 1 year Low
Darlink Stabil Bond Rp On stock, fixed income and money market instruments Medium
Darlink Dinamis Mix Rp On Stock, fixed income and money market instruments Medium - High
Darlink Agresif Stock Rp On Stock, fixed income and money market instruments High
Darlink Amanah Sharia fixed income Rp On fixed income instruments and money market based on sharia principles Medium