Mahacita Protection

Zurich Family Gen Assurance

Achieve a brighter future for your family with a legacy that can be passed down to the next generation. We're here to protect you from the risks of death and provide you with optimal investment opportunities, just like a parent's love.

Product Excellence

  • Provides protection for families in one insurance policy.
  • Flexible in determining the Protection Period.
  • Can guarantee the family's financial future for the next generation with the Transfer of Coverage to the Next Generation feature.
  • As long as the basic premium and renewable top-up premium are consistently paid, the policy will remain in force for the first 5 years.
  • Flexible to choose an Additional Insurance (Rider) to complete protection.

  1. Death Benefit due to Accident

    In the event of death during the insured period, the policyholder is entitled to receive 100% of the Sum Assured and Investment value (if any).

  2. Investment Benefits

    Get Investment Benefits equivalent to the Investment Value (if any) based on the unit value within the policy.

  3. Loyalty Benefits

    Will be paid gradually up to 50% of the basic premium starting in the 10th (tenth) year for customers who continue to make Basic Premium payments and fulfill certain conditions as regulated in the Policy.

  • Zurich Family TermLink

    Protects you from the risk of death due to any cause.

  • Zurich H&S Max

    Covers domestic and overseas treatment with cashless and reimbursement facilities

  • Zurich Critical Illness Plus 85

    Covers you if diagnosed with one of several Critical Illnesses up to age 65 years old.

  • Zurich Critical Illness Early Care

    Provides protection if you are diagnosed with one of several early stage Critical Illnesses along with other additional benefits, namely Early Diagnosis Benefits, Treatment Period Benefits and Recovery Period Benefits.

  • Zurich Waiver of Premium Plus

    Continue paying Basic Premiums and Periodic Top Up Premiums (if any) until you are 70 years old if there is a risk of Total and Permanent Disability due to Illness or Accident or diagnosed with one of the Critical Illnesses.

  • Zurich Parent Payor

    If you as the parent of the Insured are diagnosed with one of the Critical Illnesses, experience Total and Permanent Disability or die, Zurich will continue Basic Premium payments until the Insured is 25 years old or you are 65 years old, whichever occurs first.

Insured Entry Age : 15 days – 70 years (based on age at last birthday)
Policy Holder Age : 18 years – 99 years (based on age at last birthday)
Insurance Period : Minimum 20 years and maximum until the Insured reaches the age of 99 years
Premium Payment Period : Follows the insurance period
Sum Insured : Minimum IDR 100,000,000
Basic Premium : Minimum IDR 20,000,000 per year
Periodic Top Up Premium : Minimum IDR 1,000,000
Single Top Up Premium : Minimum IDR 1,000,000
Premium Payment Frequency : Annually, 6 monthly, 3 monthly, or monthly
  • The Insured and Policy Holder are Indonesian citizens and/or domiciled in Indonesia.
  • Complete and sign the Life Insurance Application.
  • Attach a photocopy of personal identity.
  • Carry out a health check (if necessary).
  • Provide complete, correct, honest and accurate information and supporting documents.
  • Understand the terms and conditions of coverage before signing the Life Insurance Application.
  • Notify if there are changes to the information or documents provided to Zurich Topas Life.
  • Pay premiums on time before the due date.
  • Other obligations as stated in the Policy.