Basic Information
Product Name: Smile Wealth Protection (SMART)
Insurance Company: PT MSIG Life Insurance Indonesia Tbk
Product Type: Endowment Life Insurance (Dwiguna)
Entry Age: 1 month - 55 years (for the Insured)
Premium Payment Term: 3, 5, or 8 years
Policy Term: 15 years (Plan A) or 20 years (Plans B & C)
Coverage Details
Death Benefit: A payout of 110% of the total basic premiums paid.
Accidental Death Benefit: An additional payout of 110% of the total basic premiums paid , with a maximum limit of IDR 2 billion for this benefit.
Stage Payouts (Manfaat Tahapan):
This is the core feature of the product. Stage payouts are disbursed during the policy term regardless of whether the Insured is living or has passed away.
The total payout amount, depending on the selected plan, can reach up to 175% of the "Guaranteed Amount (Dana Pasti)".
Key Features
Premium Waiver: If the Insured passes away during the premium payment period, the remaining unpaid premiums are waived, while the coverage and future stage payouts remain in effect.
Asset Inheritance Effect: Because stage payouts continue to be disbursed to the beneficiary after the Insured's death, the policy also functions as a tool for asset inheritance.
Plan Flexibility: Offers three different payout plans (A, B, C) to choose from based on individual needs
基本資料
產品名稱: Smile Wealth Protection (SMART)
保險公司: PT MSIG Life Insurance Indonesia Tbk
產品類型: 儲蓄型壽險 (Dwiguna / Endowment)
投保年齡: 1 個月 - 55 歲 (被保險人)
繳費期間: 3年、5年、8年
保險期間: 15年 (A方案) 或 20年 (B、C方案)
保障內容
身故保險金: 給付已繳總保費的 110% 。
意外身故保險金: 額外給付已繳總保費的 110% ，此項給付有最高上限 20 億印尼盾 。
生存/滿期金 (Manfaat Tahapan):
此為本產品核心特色，無論被保險人生存或身故，在保單有效期間內皆會分期給付生存金 。
總給付金額根據所選計畫，最高可達「既定保額 (Dana Pasti)」的 175% 。
主要特色
保費豁免: 若被保險人在繳費期間內身故，剩餘未到期的保費將被豁免 ，但保障與生存金給付持續有效。
資產傳承效果: 因被保險人身故後，未來的生存金仍會繼續支付給受益人，兼具資產傳承的效果。
方案彈性: 提供三種不同的給付計畫 (A, B, C)，可根據需求選擇 。