Lifeactive

Optima Cancer Protection

AIA Financial

Last seen

Oct 2, 2026

Currency

IDR

AI-extracted product content. Review before use.

Overview

Company site

Company

AIA Financial

Currency

IDR

Insured object

Tertanggung (life insured) against cancer diagnosis

Coverage period

10 tahun (10 years)

Sum insured

Uang Pertanggungan ranges from Rp150,000,000 to Rp1,000,000,000 across 5 plans

Research context

Pricing tier

standard

Premium range

Rp 108,000 - 3,600,000 per month depending on plan, age, and gender

Target segment

individual bancassurance customers aged 18-60

Distribution

Bank

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Rate tables, benefits, key facts, line-specific details, cash value, riders, and competitor context — extracted from official RIPLAY filings.

Tabel Premi Optima Cancer Protection (Bulanan)

Umur	Plan 1 Rp150 Juta Pria	Plan 1 Rp150 Juta Wanita	Plan 2 Rp250 Juta Pria	Plan 2 Rp250 Juta Wanita	Plan 3 Rp500 Juta Pria	Plan 3 Rp500 Juta Wanita	Plan 4 Rp750 Juta Pria	Plan 4 Rp750 Juta Wanita	Plan 5 Rp1 Miliar Pria	Plan 5 Rp1 Miliar Wanita
18-25	108.000	189.000	180.000	315.000	360.000	630.000	540.000	945.000	720.000	1.260.000
26-30	135.000	216.000	225.000	360.000	450.000	720.000	675.000	1.080.000	900.000	1.440.000
31-35	162.000	243.000	270.000	405.000	540.000	810.000	810.000	1.215.000	1.080.000	1.620.000
36-40	189.000	310.500	315.000	517.500	630.000	1.035.000	945.000	1.552.500	1.260.000	2.070.000
41-45	297.000	364.500	495.000	607.500	990.000	1.215.000	1.485.000	1.822.500	1.980.000	2.430.000
46-50	364.500	391.500	607.500	652.500	1.215.000	1.305.000	1.822.500	1.957.500	2.430.000	2.610.000
51-55	513.000	540.000	855.000	900.000	1.710.000	1.800.000	2.565.000	2.700.000	3.420.000	3.600.000
56-60	702.000	634.500	1.170.000	1.057.500	2.340.000	2.115.000	3.510.000	3.172.500	4.680.000	4.230.000

Benefits

Death Benefit

100% dari total Premi yang sudah dibayarkan (+ Premi yang telah dibebaskan jika klaim Tahap Awal sudah dibayarkan)

Critical Illness Benefit

Manfaat Kondisi Kanker Tahap Awal: 20% UP (dibayar 1x); Manfaat Kondisi Kanker Tahap Akhir: 100% UP dikurangi manfaat Tahap Awal yang sudah dibayarkan

Waiver Of Premium Benefit

Pembebasan Premi setelah Manfaat Kondisi Kanker Tahap Awal disetujui, mulai jatuh tempo berikutnya sampai Tertanggung meninggal atau Masa Asuransi berakhir

Key facts

insurer

PT AIA FINANCIAL

grace period

45 hari kalender sejak Tanggal Jatuh Tempo pembayaran Premi

premium term

10 tahun

product type

Critical Illness

claim deadline

90 hari kalender sejak tanggal Diagnosis atau sejak Tertanggung meninggal

no claim bonus