Real Protection untuk beragam gaya hidup Anda dan keluarga
Produk dan manfaat perlindungan asuransi untuk semua kebutuhan AndaLihat Selengkapnya
Saat-saat penting dalam Tahapan Kehidupan Anda dan KeluargaLihat Semua Momen Penting
Selama puluhan tahun, AIA sebagai Real Life Company melayani jutaan nasabah di seluruh wilayah Asia PasifikThe Real Life Company
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Find what people usually asked about, do not hesitate to call us if you need more information
A list of the terminology that we usually use here, explain in common terms
Written contract containing specific agreements along with the rights and obligations of the parties according to sharia principles.
Grant Akad in the form of fund distribution from one Participant to Tabarru' Fund for the purpose of helping among Participants which is not and for non- commercial purposes.
Akad between the Participants, collectively or individually, with AIA for commercial purposes that is authorizing AIA in accordance with the power of attorney or authority given, in exchange for Ujrah.
For individual, absence means the person is dead or the person is in a state of being unable to take legal action.
For Entity, absence means the Entity is under bankruptcy proceeding, dissolution, liquidation or in the process of receiver’s appointment.
A condition that allows Basic Contributions is not being paid, yet the Investment Fund Value will be automatically deducted monthly with the arising Ujrah to keep the Policy to remain in force if the Basic Contribution has not been paid off after Grace Period.
A condition that allows Basic Premium is not paid but the Account Value will be automatically deducted monthly with costs incurred to keep the Policy stay active if the Basic Premium has not been paid off after free look period.
Events that occur suddenly, unexpectedly, come from outside, are undesirable violence and there are no deliberate elements that are the direct and main cause of Injury or death.
The value of total Units formed under the Policy at a certain moment, consisting of the Basic Premium Account Value and the Top-Up Premium Account Value, if any.
Unpaid premium payment facility after passing the Grace Period by using the existing Cash Value.
Husband / Wife or Child whose name is listed in the Policy, that is upon his/her life held insurance agreements.
Age calculated based on the provisions that AIA sets to the closest anniversary, in accordance to the entering age listed in the Policy, which will increase every year on Policy anniversary. Minimum age calculation is 1 (one) year.
Basic insurance coverage of insurance Policy.
Contribution paid periodically every Due Date with a fixed amount in accordance with the Policy Data and becomes the terms of the Policy.
The value of total Units formed under the Policy at a certain moment, of which the Investment Fund is derived from the payment of the Basic Premium.
Premiums that AIA have set out as stated in the Policy, which You are required to pay regular basis to AIA during the specified Premium Payment Period, which is the same amount at each due date and becomes the terms conditions of this Policy.
Individuals or Entity who are entitled to receive Insurance Benefits as provided in the Policy Data.
The sum of money that will be paid to You in accordance with the Cash Value Table as stated in the Policy.
The amount of money that You pay to AIA in connection with Policy closure, which consists of Basic Contributions and Top-Up Contributions (if any).
Insurance coverage period, since the Policy Effective Date until Policy Maturity date, with subject to the provisions of the Policy.
A Period where the Basic Contributions must be paid by You as determined in the Policy.
The grace period between one paid Contribution anniversary with the next Contribution anniversary pays off, whose calculation starts from the Policy Effective Date.
General practitioners and specialist doctors graduated from medical institution which are recognized in western medical both domestic and international, recognized by the relevant Government and have practice license and have no interest on Your and/or the Insured’s insurance protection, unless otherwise agreed previously by AIA.
Persons or parties designated in writing by You to accept the Insurance Benefit as stipulated in Life Insurance Application Form or any amendment thereof (if any) provided that such person or party has an insurable interest to the Insured Party.
Legal entities established under prevailing Indonesian laws and regulations that have authentic deeds and registered at relevant government agencies, including but not limited to cooperative, limited liability company, foundation, and limited partnerships.
Consists of Policy issuance cost & medical examination fee (if any).
Certain period for You to learn the provisions in the Policy book.
If You cancel the Policy in this period, AIA will refund Your Premium/Contribution after being deducted by Free Look Administration Fee.
Period of 45 (forty five) calendar days as of the Basic Premium Payment due date in which the Policy will remain in force even if the Basic Premium has not been paid in full.
Damage to the body or wounds, either in the form of an external or internal wound due to an Accident and proven by a Doctor's diagnosis.
All Premium deducted by Acquisition Cost and/or Top-Up Cost, if any, as stated in the Additional Terms of the Policy.
Part of Contributions used for tabarru' contributions and Ujrah of risk administration.
Benefits provided by AIA in accordance with the terms and conditions of the Policy.
PT. AIA FINANCIAL here in after referred to as "AIA".
Physical condition characterized by aberration / pathological abnormalities of normal healthy state.
Persons who participate in life insurance with sharia principles of possible risks arising on him/her in accordance with the provisions applicable to the Policy.
Persons who participate in life insurance from possible risks arising on him/her in accordance with the provisions applicable to the Policy.
Application documents submitted in writing by You as Policy holder to convene an insurance agreement.
Part of the Basic Contributions and / or, if any, part of the Periodic Top-Up Contribution or part of the Single Top-Up Contribution, to be invested in accordance with the type of Sharia investment that You chose in accordance with the agreed Akad.
Part of the Policy which contains the brief of insurance coverage under the Policy.
Contributions that are planned to be paid periodically at the start of insurance coverage or at the time of insurance protection change, whichever occurs the latest, consisting of Basic Contributions and Periodic Top-Up Contributions, if any.
Contributions used to supplement Your Fund Investment, which is paid periodically at the Maturity Date with a fixed amount in accordance with the Policy Data, unless You uses the Auto Contribution Holiday facility.
Period where the Basic Premium shall be paid as stipulated in the Policy.
The value of the total Units formed under this Policy at a certain moment, whose Investment Fund is derived from the payment of Premium Regular Top-Up and Premium Single Top-Up.
The result of reduction of Investment Fund Value with the Police Redemption and other Ujrah redemption upon Policy redemption, if any.
Cash Value and accumulated additional benefits are not guaranteed, if any.
Individual or Entity whose name is stated in the Policy as the contracting party to the insurance agreement hereinafter referred to as "You".
Withdrawal of all Your Fund Investment prior to Policy maturity date.
Loan on Cash Value formed from the Policy.
Document of the insurance agreement between AIA and You, including the General Terms of the Policy and / or the Additional Terms and / or the Special Terms and / or any endorsements and / or other changes contained therein which AIA signed, including the Application Form or Life Insurance Application Letter, Policy and/or documents related to any documents in the process of submission of such insurance, as well as other documents related to the Policy, which as a whole is a unity and an integral part of the Policy.
amount of money that You paid to AIA in connection with the closing of this Policy, which consists of the Basic Premium and Top-Up Premium, if any.
Premiums that are planned to be paid periodically as specified in the Policy consists of Basic Premium and Premium Top Up Regular, if any.
Consist of a Regular Top-Up Premium and / or a Single Top-Up Premium.
The date on which the Policy starts becomes expiry as stated in the Policy.
Date when You requests to reinstate the Policy has been approved by AIA and all the provisions relating to the recovery Policy have been fullfilled by You.
The period between one Policy anniversary with the next Policy anniversary, whose calculation starts from the Policy Effective Date.
Grace period of one premium anniversary paid off with the next premium anniversary, whose calculation starts from the Policy Effective Date.
Date on which the Policy becomes effective, as stated in the Policy Data.
The date on which You have to pay the Premium.
Loan funds from AIA to Tabarru' Fund to overcome the insufficient asset of Tabarru' Fund to pay compensation / claims to You.
Insurance supplementary coverage in addition to Basic Insurance of the Policy which types are mentioned on Policy Data and/or endorsement.
Fees incurred for Rider based on the Special Terms.
The result of Account Value reduction with Policy redemption fee and other costs at the time of redemption, if any.
Premium payment facility using existing Cash Value with adjustments to the amount of insurance benefits.
Types of insurance protection benefits as specified in the Specific Terms, which amount stated in the Policy.
Premium that AIA sets as the validity terms of Rider Protection, if any.
Premiums to be allocated for investments other than Basic Premiums paid in conjunction with Basic Premium payments.
Reactivation of Life Insurance / Sharia Life Insurance that has ended.
An effort on mutual help basis (ta'awuni) and protect (takafuli) among the Participants through the establishment of a fund collections (Tabarru' Fund) which is managed according to sharia principles to deal with certain risks.
Contributions used to supplement Your Fund Investment which is paid on time and by amounts that You desired.
Premiums to be allocated for investments paid at any time other than at the Basic Premium payment.
The amount of money listed in the Policy Data which is the value of the insurance agreement.
A collection of funds derived from the Participants contribution and the results of its investment, whose mechanism of use conforms to the agreed Akad Tabarru’.
Consists of Periodic Top-Up Contributions and / or Single Top-Up Contributions.
The price of one unit for each type of investment in the calculation of unit prices are calculated based on the provisions in the Policy.
The result of allocation between the value of each type of investment portfolio and the related unit balance at a certain moment, reflecting the value of the assets plus the return on investment receivables and receivables after deduction of administrative costs, investment management fees, taxes and any other fees, if any.
The total excess of Your Contribution into Tabarru' Fund, after deducted from the benefits/claim payment, reinsurance contributions and technical reserves in one period.
The remuneration paid by You to AIA in connection with Takaful Insurance management and Your investment as set forth in the Policy.
The value of the unit in the form of a fraction which reflecting Your ownership of fund Investment for each type of investment.
The total value of the investments formed and owned by You, calculated based on the multiplication of the total Units balance held by You and listed in AIA book with Unit Price at a certain time.
The period after the Rider benefit payment request is approved by AIA until:
a. The remaining Premium Payment Period; or
b. The Insured reaches age 25 (twenty-five) years.
whichever comes first.
Dear Our Costumer,
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