Product Details

Salam Hijrah Arafah USD Insurance (ASHAR USD) is a sharia-based life insurance product in USD currency, that combines life protection and investment (unit link). Interestingly, through this product you will get 10 years of insurance protection with contribution payment period for only 5 years

This product offers financial protection and flexibility to help you fulfill religious obligations with peace of mind.

Additionally, this product has the Contribution Bonus benefit which will automatically added into the investment value, so as to optimize the growth of your investment value. Therefore, ASHAR USD is very suitable as a long-term financial planning instrument, especially those that are using USD currency, such as: Hajj Plus payment, retirement preparation, educational fund to study abroad  etc.

ASHAR USD also provides life protection benefit during the Hajj pilgrimage, ensuring that you and your family can perform the pilgrimage with peace of mind and security.

Disclaimer: This product is an insurance product from PT Sun Life Financial Indonesia (Sun Life Indonesia) and is not a product of PT Bank Muamalat Indonesia Tbk (Bank Muamalat). Bank Muamalat acts only as a referrer in passing information about this product from Sun Life Indonesia to its customer. The product buyers should learn carefully and agree to all the terms and conditions stated in the policy.

Benefits
1.    Insurance Benefits

2.    Contribution Bonus Benefit

Contribution Bonus of 90% of the first year's regular insurance contribution to maximize investment value.

3.    Investment Benefits

In the form of Investment Value calculated and paid based on the applicable unit price.

Requirements
Complete and submit the following documents:

1. Life Insurance Application Form (SPAJ) and all attachments
2. Medical examination results (if required)
3. Illustration
4. Copy of customer identification card
5. Additional questionnaire (if required)
6. Proof of first contribution payment
7. Copy of customer’s approval letter to share data with Sun Life Indonesia
8. Copy of Account Debit Authorization Letter for ongoing contribution payments
9. Other additional documents, if required

Failure to provide accurate data may result in:

1. Contribution refund / cancellation of coverage
2. Adjustment of contribution amounts and/or Insurance Benefits
3. Claim rejection

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