MITRA MELATI

An insurance program that provides protection and savings, and is linked to investment performance. (IDR)

The AJB Bumiputera 1912 Mitra Melati rupiah-denominated product is an insurance program which offers benefits in the form of protection and savings and guarantees regular investment income.

Designed specifically for those who need insurance with a program of fixed benefits, Mitra Melati offers a mix between the need for protection and savings/investment. Unlike conventional insurance programs that generally promise only death protection with a fixed interest rate, Mitra Melati also gives you with opportunity to get a maximum return from the insurance fund you have contributed to.

By paying a minimum premium of IDR 1,000,000.- (one million Indonesian Rupiah), you are entitled to benefits including:

1. Guarantee to receive a claim fund of a minimum of 110% of Insurance on termination of the contract
2. Guarantee to receive a return on investment of 4.5% per year from accumulated premium savings
3. Additional return on investment if the investment fund obtained by Bumiputera exceeds the guaranteed return on investment at point 2
4. Death benefit guarantee

Eligibility
If you are aged between 15 years and 60 years, you are entitled to be insured. The age of the Insured at the start of insurance, plus a maximum period of 65 years.

The Insurance term will be equal to the premium payment term: a minimum 5 years and a maximum of 10 years. Premiums are payable annually, semi-annually, and quarterly.

Available with physician's examination (medical) or without physician's examination (non medical), with reference to the underwriting provisions.

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