Optima Protection Assurance PASTI

Optima Protection Assurance PASTI

Optima Protection Assurance PASTI
About Product

Optima Protection Assurance PASTI provide life and critical illness protection so that you and your family's financial condition in the future is always protected.

Product Benefit
Optima Protection Assurance PASTI

CERTAINTY of benefit for one of 77 critical illness.(1)

Optima Protection Assurance PASTI

CERTAINTY of life Protection Period due to non accident & critical illness until age 86 y/o(3).

Optima Protection Assurance PASTI

CERTAINTY of death benefit if dies due to non accident and accident.(2)

Optima Protection Assurance PASTI

Regular Premium payment could be shorter for CERTAINTY of longer Protection Period.

Optima Protection Assurance PASTI

CERTAINTY of Maturity Benefit if Insured still alive at the end of protection period.

Optima Protection Assurance PASTI

CERTAINTY of Premium payment period and frequency based on needs.


(1) Critical illness protection end after critical illness benefit paid.
(2) Death benefit due to accident will be paid if death occurs during 90 days since accident date and up to nearest Policy anniversary with age 70 y/o.
(3) Nearest birthday.

Product Benefit
Manfaat Produk Optima Protection Assurance PASTI
Benefit Illustration Example
Ilustrasi Optima Protection Assurance PASTI
Terms and Conditions
  • Insured Entry Age:
    • Death benefit due to non accident & critical illness: 1 month - 70 y/o (nearest birthday).
    • Death benefit due to accident: 1 month - 69 y/o (nearest birthday).
  • Protection Period:
    • Until age 86 y/o* (death benefit due to non accident & critical illness).
    • Until age70 y/o (death benefit due to accident).
    *) Nearest birthday.
  • In Rupiah currency.
  • Full Underwriting apply based on terms in Policy.
  • Protection benefit exception apply based on term & condition in Policy.
  • This product is an insurance product issued by PT Asuransi Allianz Life Indonesia. This product is It is not guaranteed by the bank and is not covered by the government deposit guarantee program (Lembaga Penjaminan Simpanan).

    Bank only assumes the limited role of transmitting the information from the insurance company of the products to customers; or to provide access for insurance companies to offer insurance products to its customers. Insurance is not a bank product.
Important Notes
  • Optima Protection Assurance Perlindungan Asuransi Kematian dan Penyakit Kritis (“Optima Protection Assurance PASTI”) is an insurance product issued by PT Asuransi Allianz Life Indonesia. PT Bank HSBC Indonesia (“Bank”) only acts as a referrer of Optima Protection Assurance PASTI.
  • Optima Protection Assurance PASTI is not a Bank product and the Bank shall not be responsible for all claims and risks incurred from the management of this product portfolio.
  • Optima Protection Assurance PASTI is not covered by the Bank and its affiliations and is not included in the scope of the Republic of Indonesia's coverage program or its Deposit Insurance Corporation (“LPS”). The Bank shall bear no responsibility for any insurance policy issued by PT Asuransi Allianz Life Indonesia.
  • The Premium includes commission fees for the Bank.
  • Customers are completely bound to any provisions under the Optima Protection Assurance PASTI Policy.
  • Please refer to the Product Information Summary and the Optima Protection Assurance PASTI Policy for more information about the terms and conditions, including details of the fees and exceptions.
  • Product Risk
    The coverage shall not apply to conditions that are included in the exceptions as stated in the Policy.
Product Brochure - Issued by Allianz

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Ringkasan Informasi Produk dan Layanan (RIPLAY) Umum - Issued by Allianz

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