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DEFINITION

Offer/sell insurance products to customers directly or by contacting the customers of bank partners  by phone.

TELEMARKETING FRAMEWORK

Customers see Manulife/Telemarketing website.
Customers read/review Telemarketing products.
Customers leave messages/questions through Telemarketing email by providing full name and contact phone number.
TSO (Tele Sales Officer) contact the customers to provide further explanation about Telemarketing products

PRODUCTS

SANTUNAN JIWA PROTEKSI

Is a long-term life insurance program with a premium return policy when the Insured lives by the end of the insurance period.

Benefits of Santunan Jiwa Proteksi

  • Death benefit
  • Premium Return Benefit when the Insured lives by the end of the insurance period (Maturity)
  • Without underwriting process (Guaranteed acceptance). The insured only needs to enclosed a Statement of Health
  • Premium discount

Illustration Chart of Santunan Jiwa Proteksi

Santunan Jiwa Proteksi Underwriting Policy

Without medical underwriting process with the following conditions:

  • Minimum Sum Insured (SI): Rp 50,000,000 and maximum SI: Rp 300,000,000 for the Insured.
  • Maximum Sum Insured (SI) from the total Manulife guaranteed acceptance policy which has been owned previously by the Insured is Rp 600,000,000.
  • The submission of death claim in the first 1 (one)-year period due to the pre-existing conditions will not be paid.

Case Example of Santunan Jiwa Proteksi

The Insured: Mr A Usia : 35 tahun
Age: 35 years
Sum Insured: Rp165.000.000
Insurance Period: 15 years
Premium Payment: Premium payment
Premium Amount: Rp300.000/month
Total Premium during insurance period: Rp300.000 x 15 years x 12 months
: Rp54.000.000
Total Premium Discount: Rp300.000 x 14 months
: Rp4.200.000
Total paid Premium: Rp54.000.000 – Rp4.200.000
: Rp49.800.000

Santunan Jiwa Proteksi Benefit Payment

ConditionTotal
If Mr. A died in the 8th year, the paid benefit will be 100% of Sum InsuredRp165.000.000
If Mr. A live at the end of the insurance period, the paid benefit will be 100% refund of the already paid premium.Rp49.800.000

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ACCIDENT CASH PROTECTOR

Is a Personal Accident Insurance program that provides life benefit worth maximum Rp 600,000,000 if the Insured experience a risk of Total Permanent Disability.

Manfaat dari Accident Cash Protector

  • Total Permanent Disability (TPD) Benefit
  • If the Insured suffer a Total Permanent Disability, the Insurer will pay benefit in a lump sum up to maximum Rp 600,000,000
  • Temporary Total Disability (TTD) Benefit
  • If the Insured suffer a Temporary Total Disability, the Insurer will pay weekly benefit for a maximum of six (6) months at maximum Rp 2,400,000 (per week).
  • Compensation Fund Benefit in a lump sum
  • The amount of Rp 15,000,000 will be paid at once during the coverage period when the Insured is diagnosed of suffering the first Total Permanent Disability.

Illustration Chart of Accident Cash Protector

Accident Cash Protector Premium Provisions

  • Single rate for all ages and genders.
  • Premium payment options: monthly or yearly.
  • Premium table
    ANNUAL PREMIUM (RP/THOUSANDS)PLAN APLAN BPLAN CPLAN D
    INDIVIDUAL2.4212.0001.474895
    COUPLE4.6003.8002.8001.700

    ANNUAL PREMIUM (RP/THOUSANDS)PLAN APLAN BPLAN CPLAN D
    INDIVIDUAL23019014085
    COUPLE437361266161

Case Example of Cash Accident Protector

The Insured: Mr A
Age: 35 years
Plan: A
Premium Payment: Monthly
Premium Amount: Rp230.000/month
Sum Insured: Rp600.000.000

Accident Cash Protector Benefit Payment

ConditionMaximum Value
If Mr. A had an accident resulted in the loss of 2 (two) Arms, the benefit to be paid out will be:

Total Permanent Disability
(Without having to go through a waiting period of 6 months).
= Total Permanent Disability Benefit  - Temporary Total Disability Benefit that has been paid
= Rp600,000,000 - 0
= Rp600,000,000

Compensation Fund Benefit in a Lump Sum
= Rp15,000,000
(Paid when the Insured is diagnosed of suffering Total Permanent Disability)

Total paid benefit:
= Rp600,000,000 + Rp15,000,000
= Rp615,000,000

After the benefit payment for  Total Permanent Disability is settled, the Coverage shall end.

If Mr. A had an accident resulted in the function loss of 1 (one) Arm and 1 (one) Leg, and diagnosed after 180 (one hundred eighty) days later to be suffering of a Total Permanent Disability, the benefit to be paid off will be:

Temporary Total Disability 
Weekly Benefit of Rp 2,400,000 (maximum for 180 days)

= (Rp2,400,000 x 25 weeks) + (Rp2,400,000/(5 days /7 days))
= Rp60,000,000 + Rp1,714,000
= Rp61,714,000

Total Permanent Disability
(After a waiting period of 6 months)
= Total Permanent Disability Benefit - Temporary Total Disability Benefit that has been paid

= Rp600,000,000 - Rp61,714,000
= Rp538,286,000

Compensation Fund Benefit in a Lump Sum

= Rp15,000,000

(Paid when the Insured  is declared to be Total Permanent Disability)

Total paid benefit:
= Rp61,714,000 + Rp 538,286,000 + Rp15,000,000 = Rp615,000,000

After the benefit payment for Total Permanent Disability is settled, the Coverage shall end

If Mr. A had an accident resulted in the condition of Temporary Total Disability of his arm function for 10 weeks, the benefit to be paid out for this condition will be:

Temporary Total Disability 
Weekly benefit of Rp2,400,000
(maximum for  6 months)
= Rp2,400,000 x 10 weeks
= Rp24,000,000

After the benefit payment is done, the Coverage shall continue

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CONTACT US

If you want to know more about Telemarketing Manulife Indonesia, please contact:
DMTM_id@manulife.com