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Davestera Optima Syariah

Davestera Optima Syariah Product Detail

Product Details

Information

Sharia insurance products that provide life protection and the potential for optimal investment returns.

Product Excellence

  • Free Ujrah* switching 3 times / year
  • Free Ujrah* MCU
  • Free Ujrah* Withdrawal (Redemption)
  • Investment value has grown from the first year
  • Free to choose additional benefits according to customer needs

*) Ujrah is a contract to give power of attorney (represent) the participant to the insurance company to manage the participant's funds in exchange for ujrah (wages) ​​​​​​​

Benefit

  • Investment value and mourning compensation will be given to the heirs if the participant dies during the insurance period up to 100% of the sum insured
  • Additional benefits if the participant dies due to an accident up to the age of 65 years
  • Investment value that can be taken if the participant resigns during the insurance period
  • Investment Value will be paid if the participant lives at the end of insurance

Product terms

  • Entry age 1 - 65 years
  • The insurance period is until the participant's age is 100 years
  • Payment of contributions one time or all
  • Minimum redemption of IDR 500,000 with a minimum balance after withdrawal of IDR 1,000,000

Investment value withdrawal conditions

Unit Linked Type Currency Investment Description Risk
Darlink Aman Syariah Money Market Rp For Islamic money market instruments and fixed income with maturities of less than 1 year Low
Darlink Stabil Syariah Sharia Bonds Rp In the Islamic bonds instrument 80-100%, the Islamic money market 20% Medium
Darlink Dinamis Syariah Mixed Rp On Islamic stock instruments, Islamic bonds and Islamic money markets Medium - High
Darlink Agresif Syariah Stocks Rp On Islamic stock instruments and Islamic money market High