Basic Information
Product Name: Smile Ultima Term Life
Insurance Company: PT MSIG Life Insurance Indonesia Tbk
Product Type: Term Life with Premium Return (Endowment Term)
Entry Age: 1 - 60 years (for the Insured)
Premium Payment Term: 5 or 10 years
Policy Term: 10, 15, or 20 years
Coverage Details
Death Benefit: A payout of 100% of the Sum Assured, which is reduced by any critical illness benefit already paid.
Critical Illness Benefit: An advance payout of 25% of the Sum Assured if diagnosed with one of the 10 major critical illnesses. This benefit is paid only once and will reduce the death benefit amount.
End of Policy Benefit: If the Insured is still living at the end of the policy term, the total premiums paid will be returned.
Plan A: Returns 100% of the total premiums paid.
Plan B: Returns 120% to 140% of the total premiums paid, depending on the policy term.
Key Features
Combines Protection and Return: Integrates the high protection of term life insurance with a savings feature that returns premiums at maturity.
Dual-Plan Option: Offers two plans: Plan A focuses on a higher Sum Assured (high protection), while Plan B focuses on a higher end-of-policy benefit (high return).
Critical Illness Coverage: Provides a basic accelerated benefit for major critical illnesses.
基本資料
產品名稱: Smile Ultima Term Life
保險公司: PT MSIG Life Insurance Indonesia Tbk
產品類型: 還本型定期壽險 (Term Life with Premium Return)
投保年齡: 1 - 60 歲 (被保險人)
繳費期間: 5年、10年
保險期間: 10年、15年、20年
保障內容
身故保險金: 給付 100% 保險金額，並會扣除任何已支付的重大疾病理賠金 。
重大疾病保險金: 若罹患 10 種主要重大疾病之一，提前給付 25% 保險金額 。此理賠為一次性，且會降低身故保險金的額度 。
滿期保險金 (End of Policy Benefit):
若被保險人生存至保障期滿，將返還已繳總保費 。
A方案: 返還 100% 總保費 。
B方案: 返還 120% 至 140% 總保費，依保險期間而定 。
主要特色
保障與還本兼具: 結合了定期壽險的高額保障與期滿保費返還的儲蓄功能 。
雙方案選擇: 提供兩種計畫：A 方案側重於較高的保險金額 (高保障)，B 方案則側重於較高的滿期金 (高還本) 。
重大疾病保障: 提供基礎的重大疾病提前給付功能 。