Syariah Amanah Optima

Life protection and benefits in the principle of Sharia

Fixed contribution throughout the year

the amount of fixed contribution until the end of payment period

Flexible contribution payment period

Selectable contribution payment period (5/7/10 years)

Two times of Instalment Funds

Life benefits payment maximum until 130% of insurance benefits.

Other Advantages

placeholder.png

200% of insurance compensation if passed away in the middle of Hajj/Umrah

 

placeholder.png

Free of guaranteed issue or without medical check up to redeem insurance benefits up to 300 million

 

placeholder.png

Free of evacuation and repatriation facilities (medical emergency services) worldwide

 

    Product Information

    Benefits

    Product Information Summary

Additional Information

Syariah Amanah Optima is a traditional life insurance product whose combined life protection and life benefits in the form of instalment funds which will be useful as a provision to welcome a dynamic future. Applying sharia principles with the sense of mutual help become a foundation for life protections among the customer with long lasting protection period up until 80 old years.

Product

Traditional life insurance in the principle of Sharia

Protection Period

Up until 80 years old.

Currency

IDR

Payment Method

Regularly with monthly payment that can be selected for 3 months/ 6 months or annually

Entry Age

0 years old (30 days)

Protection Insurance Period

Up to 80 years old

Underwriting Method

  • Guaranteed Issue Officer (GIO) for Insurance Benefits up tp 300 Million
  • Full Underwriting for Insurance Benefit above 300 million

Death Benefits

Time of Risk Death Not By Accident Death By Accident Death in the Middle of Hajj/Umrah
Before Contribution Payment Period Ends The first 2 years 100% Return of Paid Contribution (not included Additional Contribution) 100% Death Benefits + Value of Fund 200% Death Benefits + Value of Funds
After 2 years 100% Death Benefits + Value of Funds 200% Death Benefits + Value of Funds
After The Contribution Payment Period Ends 100% Death Benefits + Value of Funds 200% Death Benefits + Value of Funds
After The Contribution Payment Period Ends and Life Benefits Has Released 100% Death Benefits 200% Death Benefits

Life Benefits

Periode Pertama
Contribution Payment Period (year) 5 7 10
Life Benefits* 200% Contribution Total
Life Benefits Payment Period (End Year Police No.) 5 7 10

Periode Kedua**
Contribution Payment Period (year) 5 7 10
Life Benefits* 65% – 90% 75% – 100% 85% – 110%
Life Benefits Payment Period (End Year Police No.) 15 17 20

*the total percentage in life benefits in a estimate
**) 10 year from selected payment period

Banca Syariah Amanah Optima
Banca Syariah Amanah Optima

Banca Syariah Amanah Optima

Story for Inspiration

Tanya OCBC NISP

Written agreement between the Bank and other parties that contains the rights and obligations of each party in accordance with Sharia Principles.

The principles of Islamic law in banking activities are based on fatwas issued by institutions that have the authority to determine fatwas in the field of sharia.

The distribution of profit of Bank Syariah to the Deposit Customers is based on the agreed ratio every month. Revenue sharing depends on the amount and duration of deposits and bank income for the period. The amount of profit sharing is calculated based on bank revenue so that the customer must obtain profit sharing and not lose the principal savings.

The board is tasked with giving advice and advice to the Directors and overseeing the activities of the Sharia Business Unit to be in accordance with Sharia Principles.

Transaction of fund investment from the owner of the fund (shahibul mal) to the fund manager (mudharib) to carry out certain business activities in accordance with Sharia Principles, with the distribution of results of business between the two parties based on a mutually agreed ratio.

Funds or goods deposit transaction from the owner to the depositor of funds with an obligation for the depositing party to return the funds or goods deposited at any time or in accordance with the agreement.

Buying and selling transactions of goods at the acquisition price plus the margin agreed upon by the parties, where the seller informs the buyer in advance of the acquisition price.

Agreement of representation between one party to another. Wakalah is usually applied for making Letter of Credit, for purchasing goods abroad (L/C Import) or forwarding requests

Collaboration between two or more parties having funds and/or goods to carry out certain businesses in accordance with Sharia Principles by sharing the results of operations in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio.

Collaboration between two or more owners of funds and/or goods to carry out certain businesses in accordance with Sharia Principles with the distribution of operating results in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio, then one party gradually buys the other party's capital ownership, so that at the end of the cooperation period one party has the entire capital (100%).

The amount of profit agreed between the Bank and the Customer for financing transactions with a sale and purchase agreement (murabahah). Financing margins are fixed (fixed) unchanged throughout the term of the financing.

Share of profit sharing between the Bank and the Customer of funding and financing transactions with profit sharing agreements (mudharabah and musyarakah).

Lease transactions of goods and/or services between the owner of the object for lease, including ownership of the right to use the object for rent and the lessee to get compensation for the leased object.

Borrowing transactions without compensation for the obligations of borrowing party to repay the loan principal in one lump sum or installments within a certain period.

Did not find what you're looking for?

See FAQ

Financial planning program that is equipped with life protection

Daily Transactions are Easier

Perform all transactions from just one ONe Mobile OCBC NISP application.

See the advantages