Asuransi Mandiri Investasi Prestise
AXA Mandiri
Last seen
Oct 2, 2026
Currency
IDR
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Rate tables, benefits, key facts, line-specific details, cash value, riders, and competitor context — extracted from official RIPLAY filings.
Product tables
Premi dan Porsi Investasi
| Komponen | Rupiah | USD |
|---|---|---|
| Premi Dasar Tunggal (Minimal) | Rp15.000.000 | US$1.500 |
| Premi Top Up Tunggal (Minimal) | Rp1.000.000/transaksi | US$100/transaksi |
| Total Premi (Maksimal) | Rp500.000.000 | US$50.000 |
| Porsi Investasi | 100% | 100% |
Biaya Penarikan Sebagian Unit & Penutupan Polis
| Tahun Polis ke- | Biaya Penarikan Sebagian Unit (%) | Biaya Penutupan Polis (%) |
|---|---|---|
| 1 | 7% | 7% |
| 2 | 6% | 6% |
| 3 | 5% | 5% |
| 4 | 3% | 3% |
| 5 | 1% | 1% |
| 6 dan seterusnya | 0% | 0% |
Biaya Pemeliharaan Polis per Bulan
| Tahun Polis ke- | Biaya (% dari Nilai Tunai) |
|---|---|
| 1 | 0% |
| 2 | 0.1% |
| 3 | 0.1% |
| 4 | 0.1% |
| 5 | 0.1% |
| 6 dan seterusnya | 0% |
Biaya Administrasi per Bulan
| Mata Uang | Biaya Maksimal per Bulan |
|---|---|
| Rupiah | Rp35.000 |
| USD | US$3,5 |
Biaya Pengelolaan Subdana per Tahun
| Subdana | Strategi | Biaya Maksimal (% NAB) |
|---|---|---|
| Mandiri Money Market Rupiah | Pasar Uang | 1.81% |
| Mandiri Secure Fixed Income Money Rupiah | Pendapatan Tetap | 2.06% |
| Mandiri Fixed Income Money Rupiah | Pendapatan Tetap | 2.01% |
| Mandiri Prime Fixed Income Rupiah | Pendapatan Tetap | 2.06% |
| Mandiri Active Balanced Money Rupiah | Campuran | 3.01% |
| Mandiri Progressive Balanced Money Rupiah | Campuran | 2.51% |
| Mandiri Equity Money Rupiah | Saham | 2.51% |
| Mandiri Prime Equity Rupiah | Saham | 2.51% |
| Mandiri Dynamic Equity Money Rupiah | Saham | 2.51% |
| Mandiri Secure Fixed Income Money USD | Pendapatan Tetap | 2.06% |
| Mandiri Fixed Income USD | Pendapatan Tetap | 2.06% |
| Mandiri Balanced Offshore USD Class A | Campuran | 2.51% |
| Mandiri Equity Offshore USD Class A | Saham | 2.51% |
Tabel Risiko Subdana
| Tingkat Risiko | Kategori | Subdana |
|---|---|---|
| 1 | Rendah | Mandiri Money Market Rupiah |
| 2 | Sedang | Mandiri Secure Fixed Income Money Rupiah, Mandiri Fixed Income Money Rupiah, Mandiri Prime Fixed Income Rupiah, Mandiri Secure Fixed Income Money USD, Mandiri Fixed Income USD |
| 3 | Sedang-Tinggi | Mandiri Progressive Balanced Money Rupiah, Mandiri Active Balanced Money Rupiah, Mandiri Balanced Offshore USD Class A |
| 4 | Tinggi | Mandiri Dynamic Equity Money Rupiah, Mandiri Prime Equity Rupiah, Mandiri Equity Money Rupiah, Mandiri Equity Offshore USD Class A |
Kinerja Historis Subdana (dalam %)
| Subdana | 2021 | 2022 | 2023 | 2024 | 2025 | Sejak Peluncuran | Kinerja Terburuk |
|---|---|---|---|---|---|---|---|
| Mandiri Money Market Rupiah | 2% | 1% | 3% | 4% | 4% | 4% | 1% (2022) |
| Mandiri Fixed Income Money Rupiah | 0% | 1% | 5% | 1% | 9% | 6% | 0% (2021) |
| Mandiri Secure Fixed Income Money Rupiah | 2% | 0% | 6% | 2% | 9% | 6% | 0% (2022) |
| Mandiri Active Balanced Money Rupiah | -1% | 5% | 4% | -6% | 10% | 4% | -6% (2024) |
| Mandiri Progressive Balanced Money Rupiah | 2% | 7% | 6% | -4% | 4% | 10% | -4% (2024) |
| Mandiri Equity Money Rupiah | -1% | 0% | 5% | -13% | 5% | -1% | -15% (2024) |
| Mandiri Prime Equity Rupiah | -1% | 2% | 4% | -10% | 8% | -1% | -10% (2024) |
| Mandiri Dynamic Equity Money Rupiah | 2% | 13% | 5% | -10% | 1% | 11% | -10% (2024) |
| Mandiri Secure Fixed Income Money USD | -2% | -8% | 4% | -3% | 6% | 1% | -3% (2024) |
| Mandiri Balanced Offshore USD Class A | 11% | -17% | 6% | 7% | 8% | 3% | -17% (2022) |
| Mandiri Equity Offshore USD Class A | 24% | -19% | 11% | 14% | 11% | 7% | -19% (2022) |
| Mandiri Prime Fixed Income Rupiah | 0% | 0% | 5% | 1% | 5% | 1% | 0% (2021) |
| Mandiri Fixed Income USD | N.A. | 5% | 6% | -2% | 5% | 2% | -2% (2024) |
Simulasi - Ilustrasi Masa Pembelajaran Polis (Bapak Irwandi, 45 tahun, Rp2M premi)
| Komponen | Nilai |
|---|---|
| Premi yang telah dibayar | Rp2.000.000.000 |
| Biaya penerbitan Polis | Rp300.000 |
| Pengembalian Premi (free look) | Rp1.999.700.000 |
Proyeksi Nilai Tunai - Usia Masuk 45, Premi Rp2M, 100% Mandiri Secure Fixed Income Money Rupiah
| Tahun Polis | Usia | Biaya Asuransi (Rp000) | Loyalty Bonus (Rp000) | Nilai Tunai -1% (Rp000) | Nilai Tunai 0% (Rp000) | Nilai Tunai 6% (Rp000) | Nilai Tunai 7% (Rp000) |
|---|---|---|---|---|---|---|---|
| 5 | 50 | 746.00 | 58,353.00 | 1,855,391.00 | 1,949,912.00 | 2,601,790.00 | 2,725,700.00 |
| 10 | 55 | 1,328.00 | 81,203.00 | 1,801,313.00 | 1,990,095.00 | 3,547,620.00 | 3,894,162.00 |
| 15 | 60 | 2,146.00 | 116,000.00 | 1,744,110.00 | 2,026,717.00 | 4,835,601.00 | 5,562,450.00 |
| 25 | 70 | 5,057.00 | 236,622.00 | 1,612,476.00 | 2,080,470.00 | 8,976,409.00 | 11,345,545.00 |
| 35 | 80 | 11,045.00 | 482,544.00 | 1,435,521.00 | 2,082,861.00 | 16,646,730.00 | 23,136,279.00 |
| 45 | 90 | 22,708.00 | 984,026.00 | 1,166,326.00 | 1,979,887.00 | 30,847,757.00 | 47,181,793.00 |
| 55 | 100 | 42,923.00 | 2,007,191.00 | 727,582.00 | 1,680,498.00 | 57,144,067.00 | 96,250,746.00 |
Proyeksi Total Manfaat Meninggal Dunia (UP + Nilai Tunai) - Usia Masuk 45, Premi Rp2M
| Tahun Polis | Usia | Total Manfaat Meninggal Dunia -1% (Rp000) | 0% (Rp000) | 6% (Rp000) | 7% (Rp000) |
|---|---|---|---|---|---|
| 1 | 46 | 2,079,078.00 | 2,099,073.00 | 2,219,043.00 | 2,239,038.00 |
| 5 | 50 | 1,955,391.00 | 2,049,912.00 | 2,701,790.00 | 2,825,700.00 |
| 10 | 55 | 1,901,313.00 | 2,090,095.00 | 3,647,620.00 | 3,994,162.00 |
| 20 | 65 | 1,782,011.00 | 2,157,797.00 | 6,689,231.00 | 8,044,452.00 |
| 30 | 75 | 1,631,950.00 | 2,190,699.00 | 12,325,428.00 | 16,301,844.00 |
| 35 | 80 | 1,535,521.00 | 2,182,861.00 | 16,746,730.00 | 23,236,279.00 |
| 45 | 90 | 1,266,326.00 | 2,079,887.00 | 30,947,757.00 | 47,281,793.00 |
| 55 | 100 | 827,582.00 | 1,780,498.00 | 57,244,067.00 | 96,350,746.00 |
Benefits
Death Benefit
125% x Premi Dasar Tunggal atau Rp100 juta / US$50 ribu, mana yang lebih besar
Maturity Benefit
Nilai Tunai yang terbentuk pada akhir Masa Asuransi (usia 100 tahun)
Survival Benefit
Loyalty Bonus setiap kelipatan 5 tahun Polis: 2.5% dari rata-rata Saldo Unit 60 bulan terakhir
Key facts
exclusions
Self-harm or suicide within 12 months, Criminal acts or fraud, Terrorism, war, civil conflict, Nuclear, biological, chemical contamination, High-risk countries under sanctions lists, Professional/amateur competitive sports, High-risk occupations (pilot, hazardous materials, etc.)
base perils
Any Cause Of Death, maturity
premium term
Sekaligus/Tunggal
product type
Unit Link
sub funds usd
Mandiri Secure Fixed Income Money USD, Mandiri Fixed Income USD, Mandiri Balanced Offshore USD Class A, Mandiri Equity Offshore USD Class A
claim deadline
90 hari kalender sejak tanggal Tertanggung meninggal dunia
waiting period
30 hari (opsional, dapat ditiadakan dengan pemeriksaan kesehatan)
top up facility
Yes
acquisition cost
0% (100% Porsi Investasi dari Premi Dasar Tunggal dan Top Up Tunggal)
free look period
14 hari kalender
product category
Produk Asuransi Yang Dikaitkan dengan Investasi (PAYDI)
sub funds rupiah
Mandiri Money Market Rupiah, Mandiri Secure Fixed Income Money Rupiah, Mandiri Fixed Income Money Rupiah, Mandiri Prime Fixed Income Rupiah, Mandiri Progressive Balanced Money Rupiah, Mandiri Active Balanced Money Rupiah, Mandiri Dynamic Equity Money Rupiah, Mandiri Prime Equity Rupiah, Mandiri Equity Money Rupiah
entry age insured
15 hari - 80 tahun
has loyalty bonus
Yes
premium frequency
Sekaligus/Tunggal
available currencies
IDR, USD
Cash value
Riders
No riders or add-ons were parsed for this product.
Competitor context
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