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AIA
  • PRODUK KAMI

    PRODUK KAMI

    Produk dan manfaat perlindungan asuransi untuk semua kebutuhan Anda

    Lihat Selengkapnya

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    • PROTEKSI JIWA

      Real Protection untuk beragam gaya hidup Anda dan keluarga

    • KESEHATAN

      Nikmati hidup dengan perawatan kesehatan kelas satu

    • PENYAKIT KRITIS

      Perlindungan terhadap risiko terkena Penyakit kritis

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    Momen Penting

    Saat-saat penting dalam Tahapan Kehidupan Anda dan Keluarga

    Lihat Semua Momen Penting
    • Menikah

      Persiapkan diri anda mulai dari sebelum hingga setelah pernikahan

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      Persiapkan masa depan anak anda sejak dini

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      Recanakan masa tua anda untuk hidup yang bahagia

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      Jaminan masa depan bagi anda dan keluarga anda

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      Persiapkan tabungan dan investasi untuk simpanan masa depan

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      Seringkali hal tak terduga menimpa, persiapkan segala sesuatu dimulai sejak dini

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    TENTANG AIA

    Selama puluhan tahun, AIA sebagai Real Life Company melayani jutaan nasabah di seluruh wilayah Asia Pasifik

    The Real Life Company
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    • CONTACT US

      AIA Customer Care Line
      1 500 980 or 021-30001980
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    CONTACT AIA CUSTOMER CARE LINE

    1 500 980 or 021-30001980


    Open Monday to Friday

    at 08.00 AM-16.30 PM

    Email: id.customer@aia.com

    Or

    Contact us with Live Chat through MYAIA (24/7)

    Please refer to here.

    BROWSE BY ALPHABET

    • A
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    • W
    A
    Akad (SHARIA)

    Written contract containing specific agreements along with the rights and obligations of the parties according to sharia principles.


    Akad Tabarru (SHARIA)

    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 Wakalah bil Ujrah (SHARIA)

    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.


    Absence

    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.


    Auto Contribution Holiday

    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.


    Automatic Premium Holiday (APH)

    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.


    Accident

    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.


    Account Value

    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.


    Automatic Premium Loan

    Unpaid premium payment facility after passing the Grace Period by using the existing Cash Value.


    Additional Insured

    Husband / Wife or Child whose name is listed in the Policy, that is upon his/her life held insurance agreements.


    Age

    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.


    B
    Basic Insurance

    Basic insurance coverage of insurance Policy.


    Basic Contributions (SHARIA)

    Contribution paid periodically every Due Date with a fixed amount in accordance with the Policy Data and becomes the terms of the Policy.


    Basic Premium Account Value

    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.


    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.


    Beneficiary

    Individuals or Entity who are entitled to receive Insurance Benefits as provided in the Policy Data.


    C
    Cash value

    The sum of money that will be paid to You in accordance with the Cash Value Table as stated in the Policy.


    Contribution (SHARIA)

    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).


    Coverage Period

    Insurance coverage period, since the Policy Effective Date until Policy Maturity date, with subject to the provisions of the Policy.


    Contribution Payment Period

    A Period where the Basic Contributions must  be paid by You as determined in the Policy.


    Contribution Period

    The grace period between one paid Contribution anniversary with the next Contribution anniversary pays off, whose calculation starts from the Policy Effective Date.


    D
    Doctor

    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.


    Designated Beneficiary

    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.


    E
    Entity

    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.


    F
    Free Look Administration Fee

    Consists of Policy issuance cost & medical examination fee (if any).


    Free Look

    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.


    G
    Grace Period

    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.


    I
    Injury

    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.


    Investment Fund

    All Premium deducted by Acquisition Cost and/or Top-Up Cost, if any, as stated in the Additional Terms of the Policy.


    Insurance Contributions (SHARIA)

    Part of Contributions used for tabarru' contributions and Ujrah of risk administration.


    Insurance Benefits

    Benefits provided by AIA in accordance with the terms and conditions of the Policy.


    Insurer/Insurance Operator

    PT. AIA FINANCIAL here in after referred to as "AIA".


    Illness

    Physical condition characterized by aberration / pathological abnormalities of normal healthy state.


    Insured

    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.


    Insured

    Persons who participate in life insurance from possible risks arising on him/her in accordance with the provisions applicable to the Policy.


    L
    Life Insurance Application Form or Application Form

    Application documents submitted in writing by You as Policy holder to convene an insurance agreement.


    P
    Participant's Investment Fund (Sharia)

    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.


    Policy Data

    Part of the Policy which contains the brief of insurance coverage under the Policy.


    Planned Periodic Contributions (SHARIA)

    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.


    Periodic Top-Up Contribution (Sharia)

    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.


    Premium Payment Period

    Period where the Basic Premium shall be paid as stipulated in the Policy.


    Premium Top Up Account Value

    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.


    Policy Redemption Value

    The result of reduction of Investment Fund Value with the Police Redemption and other Ujrah redemption upon Policy redemption, if any.


    Policy termination value

    Cash Value and accumulated additional benefits are not guaranteed, if any.


    Policy Holder/Participant

    Individual or Entity whose name is stated in the Policy as the contracting party to the insurance agreement hereinafter referred to as "You".


    Policy Redemption

    Withdrawal of all Your Fund Investment prior to Policy maturity date.


    Policy Loan

    Loan on Cash Value formed from the Policy.


    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.


    Premium

    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.


    Planned Regular Premium

    Premiums that are planned to be paid periodically as specified in the Policy consists of Basic Premium and Premium Top Up Regular, if any.


    Premium Top Up

    Consist of a Regular Top-Up Premium and / or a Single Top-Up Premium.


    Policy Expiry Date

    The date on which the Policy starts becomes expiry as stated in the Policy.


    Policy Reinstatement Date

    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.


    Policy Year

    The period between one Policy anniversary with the next Policy anniversary, whose calculation starts from the Policy Effective Date.


    Premium Year

    Grace period of one premium anniversary paid off with the next premium anniversary, whose calculation starts from the Policy Effective Date.


    Policy Effective Date

    Date on which the Policy becomes effective, as stated in the Policy Data.


    Premium Due date

    The date on which You have to pay the Premium.


    Q
    Qardh (SHARIA)

    Loan funds from AIA to Tabarru' Fund to overcome the insufficient asset of Tabarru' Fund to pay compensation / claims to You.


    R
    Rider

    Insurance supplementary coverage in addition to Basic Insurance of the Policy which types are mentioned on Policy Data and/or endorsement.


    Rider Fee

    Fees incurred for Rider based on the Special Terms.


    Redemption Value

    The result of Account Value reduction with Policy redemption fee and other costs at the time of redemption, if any.


    Reduce Paid Up

    Premium payment facility using existing Cash Value with adjustments to the amount of insurance benefits.


    Rider Benefit

    Types of insurance protection benefits as specified in the Specific Terms, which amount stated in the Policy.


    Rider Premium

    Premium that AIA sets as the validity terms of Rider Protection, if any.


    Regular Top Up Premium

    Premiums to be allocated for investments other than Basic Premiums paid in conjunction with Basic Premium payments.


    Reinstatement

    Reactivation of Life Insurance / Sharia Life Insurance that has ended.


    S
    Sharia Life Insurance (SHARIA)

    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.


    Single Top-Up Contribution (sharia)

    Contributions used to supplement Your Fund Investment which is paid on time and by amounts that You desired.


    Single Top Up Premium

    Premiums to be allocated for investments paid at any time other than at the Basic Premium payment.


    Sum Assured

    The amount of money listed in the Policy Data which is the value of the insurance agreement.


    T
    Tabarru’ Fund

    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’.


    Top-Up Contribution (SHARIA)

    Consists of Periodic Top-Up Contributions and / or Single Top-Up Contributions.


    U
    Unit price

    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.


    Unit Value

    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.


    Underwriting Surplus

    The total excess of Your Contribution into Tabarru' Fund, after deducted from the benefits/claim payment, reinsurance contributions and technical reserves in one period.


    Ujrah (SHARIA)

    The remuneration paid by You to AIA in connection with Takaful Insurance management and Your investment as set forth in the Policy.


    Unit

    The value of the unit in the form of a fraction which reflecting Your ownership of fund Investment for each type of investment.


    V
    Value of Fund 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.


    W
    Waiver Premium Period

    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.


    Contact Us

    AIA Customer Care Line

    1500 980

    or

    (021) 3000 1 980

    We are open Monday to Friday, between 08:00 AM and 16:30 PM

    OR

    Email Us
    id.customer@aia.com

    See More
    CONTACT US

    AIA Customer Care Line

    1500 980

    or

    (021) 3000 1 980

    We are open Monday to Saturday, between 08:00 AM and 08:00 PM

    OR

    Email Us
    id.customer@aia.com

    See More
    HEAD OFFICE
    AIA Central
    Jl. Jend. Sudirman Kav. 48A
    Jakarta Selatan 12930
    Indonesia
    Telp. 62-21 5421 8888
    About Us
    About AIA Financial
    Our Product List
    Corporate Financial Statements
    Good Corporate Governance Implementation
    Organizational Structure
     
    AIA.COM
    About AIA Group
    Head Office
    AIA Central
    Jl. Jend. Sudirman Kav. 48A
    Jakarta Selatan 12930
    Indonesia
    Telp. 62-21 5421 8888
    About Us
    About AIA Financial
    Our Product List
    Corporate Financial Statements
    Good Corporate Governance Implementation
    Organizational Structure
     
    AIA.COM
    About AIA Group

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