Asuransi Salam Hijrah Sejahtera
Sun Life Financial Indonesia
Last seen
Aug 14, 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
Faktor Santunan Asuransi
| Plan | Usia 12-30 | Usia 31-35 | Usia 36-40 | Usia 41-45 | Usia 46-50 | Usia 51-55 |
|---|---|---|---|---|---|---|
| 5P10 | 30 | 22.5 | 15 | 6.25 | 5 | 5 |
| 5P15 | 30 | 22.5 | 15 | 6.25 | 5 | Not specified |
| 5P20 | 30 | 22.5 | 15 | 6.25 | Not specified | Not specified |
| 10P15 | 60 | 45 | 30 | 12.5 | 10 | Not specified |
| 10P20 | 60 | 45 | 30 | 12.5 | Not specified | Not specified |
| 10P25 | 60 | 45 | 30 | Not specified | Not specified | Not specified |
Faktor Bonus Manfaat Hibah
| Plan | Faktor Bonus |
|---|---|
| 5P10 | 275% |
| 5P15 | 275% |
| 5P20 | 287,5% |
| 10P15 | 700% |
| 10P20 | 775% |
| 10P25 | 875% |
Tingkat Iuran Tabarru' per Plan
| Plan | Tingkat Iuran Tabarru' |
|---|---|
| 5P10 | 10% |
| 5P15 | 12,5% |
| 5P20 | 17,5% |
| 10P15 | 15% |
| 10P20 | 20% |
| 10P25 | 25% |
Ujrah Kontribusi per Plan
| Plan | Ujrah Kontribusi (% Kontribusi) |
|---|---|
| 5P10 | 50% |
| 5P15 | 47,5% |
| 5P20 | 45% |
| 10P15 | 50% |
| 10P20 | 47,5% |
| 10P25 | 45% |
Simulasi: Pria 35 tahun, Plan 10P25, Kontribusi Tahunan Rp9.000.000
| Tahun Polis | Usia | Kontribusi Dibayarkan | Santunan Asuransi | Estimasi Nilai Tunai | Estimasi Nilai Penebusan Polis | Estimasi Manfaat Meninggal Dunia | Estimasi Manfaat MD Bulan Suci/Haji | Manfaat Hibah | Estimasi Manfaat Akhir Kontrak |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 36 | 9.000.000 | 405.000.000 | 2.836.270 | 136.270 | 407.836.270 | 812.836.270 | - | - |
| 2 | 37 | 9.000.000 | 405.000.000 | 5.775.940 | 3.975.940 | 410.775.940 | 815.775.940 | - | - |
| 3 | 38 | 9.000.000 | 405.000.000 | 8.822.778 | 7.922.778 | 413.822.778 | 818.822.778 | - | - |
| 4 | 39 | 9.000.000 | 405.000.000 | 11.980.693 | 11.980.693 | 416.980.693 | 821.980.693 | - | - |
| 5 | 40 | 9.000.000 | 405.000.000 | 15.253.733 | 15.253.733 | 420.253.733 | 825.253.733 | - | - |
| 6 | 41 | 9.000.000 | 405.000.000 | 18.646.095 | 18.646.095 | 423.646.095 | 828.646.095 | - | - |
| 7 | 42 | 9.000.000 | 405.000.000 | 22.162.130 | 22.162.130 | 427.162.130 | 832.162.130 | - | - |
| 8 | 43 | 9.000.000 | 405.000.000 | 25.806.346 | 25.806.346 | 430.806.346 | 835.806.346 | - | - |
| 9 | 44 | 9.000.000 | 405.000.000 | 29.583.416 | 29.583.416 | 434.583.416 | 839.583.416 | - | - |
| 10 | 45 | 9.000.000 | 405.000.000 | 33.498.184 | 33.498.184 | 438.498.184 | 843.498.184 | - | - |
| 11 | 46 | - | 405.000.000 | 34.719.398 | 34.719.398 | 439.719.398 | 844.719.398 | - | - |
| 12 | 47 | - | 405.000.000 | 35.985.134 | 35.985.134 | 440.985.134 | 845.985.134 | - | - |
| 13 | 48 | - | 405.000.000 | 37.297.013 | 37.297.013 | 442.297.013 | 847.297.013 | - | - |
| 14 | 49 | - | 405.000.000 | 38.656.719 | 38.656.719 | 443.656.719 | 848.656.719 | - | - |
| 15 | 50 | - | 405.000.000 | 40.065.994 | 40.065.994 | 445.065.994 | 850.065.994 | - | - |
| 16 | 51 | - | 405.000.000 | 41.526.646 | 41.526.646 | 446.526.646 | 851.526.646 | - | - |
| 17 | 52 | - | 405.000.000 | 43.040.547 | 43.040.547 | 448.040.547 | 853.040.547 | - | - |
| 18 | 53 | - | 405.000.000 | 44.609.640 | 44.609.640 | 449.609.640 | 854.609.640 | - | - |
| 19 | 54 | - | 405.000.000 | 46.235.936 | 46.235.936 | 451.235.936 | 856.235.936 | - | - |
| 20 | 55 | - | 405.000.000 | 47.921.520 | 47.921.520 | 452.921.520 | 857.921.520 | - | - |
| 21 | 56 | - | 405.000.000 | 49.668.554 | 49.668.554 | 454.668.554 | 859.668.554 | - | - |
| 22 | 57 | - | 405.000.000 | 51.479.278 | 51.479.278 | 456.479.278 | 861.479.278 | - | - |
| 23 | 58 | - | 405.000.000 | 53.356.014 | 53.356.014 | 458.356.014 | 863.356.014 | - | - |
| 24 | 59 | - | 405.000.000 | 55.301.169 | 55.301.169 | 460.301.169 | 865.301.169 | - | - |
| 25 | 60 | - | 405.000.000 | 57.317.237 | 57.317.237 | 462.317.237 | 867.317.237 | 78.750.000 | 136.067.237 |
Ilustrasi Pembatalan Polis pada Free-Look Period (Tahun ke-1)
| Jenis Manfaat | Besaran |
|---|---|
| Kontribusi yang telah dibayarkan | Rp9.000.000 |
| Biaya Bea Materai & Administrasi | (Rp250.000) |
| Pengembalian Dana | Rp8.750.000 |
Ilustrasi Penebusan Polis Tahun ke-3
| Jenis Manfaat | Besaran |
|---|---|
| Nilai Tunai | Rp8.822.778 |
| Kontribusi Tahunan | Rp9.000.000 |
| Ujrah Penebusan Polis (10% × Rp9.000.000) | (Rp900.000) |
| Total Nilai Tunai yang dibayarkan | Rp7.922.778 |
Ilustrasi Manfaat Akhir Kontrak
| Jenis Manfaat | Besaran |
|---|---|
| Nilai Tunai | Rp57.317.237 |
| Manfaat Hibah (8,75 × Rp9.000.000) | Rp78.750.000 |
| Total Manfaat Akhir Kontrak | Rp136.067.237 |
Benefits
Death Benefit
100% Santunan Asuransi + Nilai Tunai (jika ada)
Accidental Death Benefit
200% Santunan Asuransi + Nilai Tunai jika meninggal di Bulan Suci atau saat menjalankan ibadah haji
Maturity Benefit
Nilai Tunai + Manfaat Hibah (Faktor Bonus × Kontribusi Tahunan)
Additional Death Benefit
Rp10.000.000 (Manfaat Tambahan Santunan Meninggal Dunia)
Key facts
akad
Hibah Mu'allaqah bi al-Syarth, Tabarru', Wakalah Bil Ujrah
exclusions
Pre-Existing Condition, Perang, terorisme, huru hara, kudeta, Bunuh diri dalam keadaan apapun, Tindakan melanggar hukum/kejahatan, Eksekusi hukuman mati, HIV/AIDS dan mutasinya
bank partner
Bank Muamalat
grace period
60 hari sejak tanggal jatuh tempo kontribusi
premium term
5 atau 10 tahun
product type
endowment
sharia basis
Yes
reinstatement
Maksimal 1 tahun dari tanggal berakhirnya asuransi, peserta maksimal usia 60 tahun
claim deadline
90 hari kalender sejak tanggal Peserta Meninggal Dunia
available plans
5P10, 5P15, 5P20, 10P15, 10P20, 10P25
max sum insured
Rp2.000.000.000
free look period
14 hari kalender sejak polis diterima atau 21 hari kalender sejak penerbitan polis (mana yang paling akhir)
entry age insured
12-55 tahun (tergantung plan)
premium frequency
bulanan, kuartalan, semesteran, tahunan
claim payment days
30 hari kalender sejak klaim disetujui (manfaat meninggal dunia), 7 hari kerja (penebusan/manfaat akhir kontrak)
underwriting method
SIO (Simplified Issue Offer)
Cash value
Riders
Manfaat Tambahan
Manfaat Tambahan Santunan Meninggal Dunia
IncludedPembayaran tambahan sebesar Rp10.000.000 kepada Penerima Manfaat apabila Peserta Meninggal Dunia selama Polis berlaku
Competitor context
Smart Wealth Assurance
Asuransi Mandiri Wealth Signature USD - Saving
Proteksi Prima Pendapatan Berencana
Proteksi Prima Perlindungan Andalan
Mipreparation Legacy For Our Assurance
AIA Inspire
Smile Life Extra Plus
BeSMART Lite