TRADITIONAL

SYARIAH PRODUCT

Allianz Indonesia /
Jakarta, June 2020

Highly Confidential

© Copyright Allianz SE
TRADITIONAL SYARIAH PRODUCT

 The decision of Syariah National Board (DSN – MUI) No. U-209/DSN-MUI/V/2020, related to Traditional
Syariah (Non PAYDI Syariah) product, as follow:

 Based on DPS’s opinion that Tabarru’ can not be ZERO

Commission

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TRADITIONAL SYARIAH VS CONVEN PRODUCTS
Subject AlliSya AMAN Allianz PASTI
Product Name AlliSya AMAN Allianz PASTI (Perlindungan Asuransi Kematian & Penyakit Kritis)

Product Type Whole Life + Critical Illness + ADB Whole Life + Critical Illness + ADB

Benefit • Protection Benefits: • Protection Benefits:

 100% SA if diagnosed one of 77 CI covered (pay as  100% SA if diagnosed one of 77 CI covered (pay as additional,
additional, not accelerated) not accelerated)
 200% SA if dies due to non-accident/sickness  200% SA if dies due to non-accident/sickness
 300% SA if dies due to accident  300% SA if dies due to accident
 400% SA if dies due to accident in public transportation  400% SA if dies due to accident in public transportation
 500% SA if dies due to accident during Umrah/Hajj
• Maturity Benefit: • Maturity Benefit:
 Saving balance, not guaranteed (range xx% - yy% SA,  100% Sum Assured (guaranteed)
depend on entry age)
Protection Up to age 86 years old Up to age 86 years old
Period
Currency IDR IDR
Contribution 5 years, 10 years, 15 years, 20 years or same with protection 5 years, 10 years, 15 years, 20 years or same with protection period
Payment Period period
Note: the product feature & benefit (including the Contribution) is indicative subject to DPS, Allianz’s Regional & OJK
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TRADITIONAL SYARIAH VS CONVEN PRODUCTS
Subject AlliSya AMAN Allianz PASTI
Entry Age 1 month – 70 years 1 month – 70 years

Premium The premium amount is the same with Allianz PASTI The premium amount is the same with AlliSya AMAN

Underwriting Full UW Full UW

Surrender Savings balance (not guaranteed) Cash Value (guaranteed)

Policy Loan Not available Not available
Automatic Available with no interest Available with interest
Premium Loan
Contribution The contribution allocation will be divided into: Not available
Allocation a. Ujrah
b. Tabarru
c. Saving
The amount will be different based on Contribution Payment
Period and Classes of Age
Surplus UW 60% customer Not available
20% Tabarru’s fund
20% Allianz

Note: the product feature & benefit (including the Contribution) is indicative subject to DPS, Allianz’s Regional & OJK
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TRADITIONAL SYARIAH VS CONVEN PRODUCTS
Subject AlliSya AMAN Allianz PASTI
Commission CPP: 5 years CPP: 10 years PPP: 5 years PPP: 10 years
Year Commission Year Commission Year Commission Year Commission

1 15% 1 20% 1 20% 1 25%

2 5% 2 15% 2 5% 2 15%
3-5 5% 3-5 5%

CPP: 15 years CPP: 20 years / same PPP: 15 years PPP: 20 years / same
with protection period with protection period
Year Commission Year Commission
Year Commission Year Commission
1 23.25% 1 30%
2 20% 1 23.25% 2 25% 1 30%

3-5 5% 2 23.25% 3-5 5% 2 30%

3-5 5% 3-5 5%

Note: the product feature & benefit (including the Contribution) is indicative subject to DPS, Allianz’s Regional & OJK
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