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.
Catatan Penting
  • Optima Protection Assurance Perlindungan Asuransi Kematian dan Penyakit Kritis ("Optima Protection Assurance PASTI") adalah produk asuransi yang diterbitkan oleh PT Asuransi Allianz Life Indonesia. PT Bank HSBC Indonesia ("Bank") hanya bertindak sebagai pemberi referensi Optima Protection Assurance PASTI.
  • Optima Protection Assurance PASTI bukan produk Bank sehingga Bank tidak bertanggung jawab atas setiap dan semua klaim dan risiko yang timbul dari pengelolaan portofolio produk ini.
  • Optima Protection Assurance PASTI tidak dijamin oleh Bank dan afiliasi-afiliasinya dan tidak termasuk dalam cakupan objek program penjaminan Pemerintah Republik Indonesia atau Lembaga Penjamin Simpanan ("LPS"). Bank tidak bertanggung jawab atas polis asuransi yang diterbitkan oleh PT Asuransi Allianz Life Indonesia.
  • Premi yang dibayarkan sudah termasuk komisi untuk pihak Bank.
  • Nasabah terikat penuh dengan setiap ketentuan yang terdapat dalam Polis Optima Protection Assurance PASTI.
  • Penjelasan lebih lengkap mengenai syarat, ketentuan termasuk pembebanan biaya secara rinci dan pengecualian dapat Anda pelajari pada Ringkasan Informasi Produk dan Polis Optima Protection Assurance PASTI.
  • Risiko Produk
    Pertanggungan menjadi tidak berlaku apabila ada hal-hal yang termasuk dalam pengecualian sebagaimana tercantum dalam Polis.