Allisya Ci Hasanah
Allianz Life 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
Plan Lite – Fee & Contribution Allocation (Without Hasanah Cash)
| Tahun Polis | Tabarru' 5yr | Tabarru' 10yr | Tabarru' 15yr | Ujrah 5yr | Ujrah 10yr | Ujrah 15yr |
|---|---|---|---|---|---|---|
| 1 | 25% | 30% | 20% | 75% | 70% | 80% |
| 2 | 30% | 30% | 21% | 70% | 70% | 79% |
| 3 | 30% | 30% | 22% | 70% | 70% | 78% |
| 4 | 35% | 45% | 22% | 65% | 55% | 78% |
| 5 | 80% | 45% | 30% | 20% | 55% | 70% |
| 6 | Not specified | 45% | 30% | Not specified | 55% | 70% |
| 7 | Not specified | 45% | 35% | Not specified | 55% | 65% |
| 8 | Not specified | 80% | 35% | Not specified | 20% | 65% |
| 9 | Not specified | 80% | 35% | Not specified | 20% | 65% |
| 10 | Not specified | 80% | 35% | Not specified | 20% | 65% |
| 11 | Not specified | Not specified | 45% | Not specified | Not specified | 55% |
| 12 | Not specified | Not specified | 45% | Not specified | Not specified | 55% |
| 13 | Not specified | Not specified | 80% | Not specified | Not specified | 20% |
| 14 | Not specified | Not specified | 80% | Not specified | Not specified | 20% |
| 15 | Not specified | Not specified | 80% | Not specified | Not specified | 20% |
Plan Lite – Hasanah Early CI Fee & Contribution Allocation (Without Hasanah Cash)
| Tahun Polis | Tabarru' 5yr | Tabarru' 10yr | Tabarru' 15yr | Ujrah 5yr | Ujrah 10yr | Ujrah 15yr |
|---|---|---|---|---|---|---|
| 1 | 18% | 19% | 18% | 82% | 81% | 82% |
| 2 | 18% | 19% | 18% | 82% | 81% | 82% |
| 3 | 18% | 19% | 18% | 82% | 81% | 82% |
| 4 | 18% | 19% | 18% | 82% | 81% | 82% |
| 5 | 50% | 19% | 18% | 50% | 81% | 82% |
| 6 | Not specified | 21% | 21% | Not specified | 79% | 79% |
| 7 | Not specified | 21% | 21% | Not specified | 79% | 79% |
| 8 | Not specified | 30% | 21% | Not specified | 70% | 79% |
| 9 | Not specified | 40% | 25% | Not specified | 60% | 75% |
| 10 | Not specified | 50% | 25% | Not specified | 50% | 75% |
| 11 | Not specified | Not specified | 25% | Not specified | Not specified | 75% |
| 12 | Not specified | Not specified | 31% | Not specified | Not specified | 69% |
| 13 | Not specified | Not specified | 32% | Not specified | Not specified | 68% |
| 14 | Not specified | Not specified | 40% | Not specified | Not specified | 60% |
| 15 | Not specified | Not specified | 50% | Not specified | Not specified | 50% |
Plan Lite – Fee & Contribution Allocation (With Hasanah Cash)
| Tahun Polis | Tabarru' 5yr | Tabarru' 10yr | Tabarru' 15yr | Tanahud 5yr | Tanahud 10yr | Tanahud 15yr | Ujrah 5yr | Ujrah 10yr | Ujrah 15yr |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 10% | 12% | 15% | 15% | 15% | 13% | 75% | 73% | 72% |
| 2 | 11% | 12% | 15% | 19% | 16% | 13% | 70% | 72% | 72% |
| 3 | 11% | 12% | 15% | 20% | 17% | 13% | 69% | 71% | 72% |
| 4 | 15% | 15% | 15% | 20% | 17% | 13% | 65% | 68% | 72% |
| 5 | 45% | 15% | 15% | 20% | 17% | 13% | 35% | 68% | 72% |
| 6 | Not specified | 20% | 17% | Not specified | 18% | 13% | Not specified | 62% | 70% |
| 7 | Not specified | 25% | 17% | Not specified | 18% | 13% | Not specified | 57% | 70% |
| 8 | Not specified | 25% | 17% | Not specified | 20% | 13% | Not specified | 55% | 70% |
| 9 | Not specified | 40% | 25% | Not specified | 20% | 13% | Not specified | 40% | 62% |
| 10 | Not specified | 50% | 25% | Not specified | 20% | 13% | Not specified | 30% | 62% |
| 11 | Not specified | Not specified | 25% | Not specified | Not specified | 13% | Not specified | Not specified | 62% |
| 12 | Not specified | Not specified | 25% | Not specified | Not specified | 13% | Not specified | Not specified | 62% |
| 13 | Not specified | Not specified | 25% | Not specified | Not specified | 13% | Not specified | Not specified | 62% |
| 14 | Not specified | Not specified | 40% | Not specified | Not specified | 13% | Not specified | Not specified | 47% |
| 15 | Not specified | Not specified | 50% | Not specified | Not specified | 20% | Not specified | Not specified | 30% |
Plan Max – Fee & Contribution Allocation (Without Hasanah Cash)
| Tahun Polis | Tabarru' 5yr | Tabarru' 10yr | Tabarru' 15yr | Ujrah 5yr | Ujrah 10yr | Ujrah 15yr |
|---|---|---|---|---|---|---|
| 1 | 25% | 30% | 20% | 75% | 70% | 80% |
| 2 | 30% | 30% | 21% | 70% | 70% | 79% |
| 3 | 30% | 30% | 22% | 70% | 70% | 78% |
| 4 | 35% | 45% | 22% | 65% | 55% | 78% |
| 5 | 80% | 45% | 30% | 20% | 55% | 70% |
| 6 | Not specified | 45% | 30% | Not specified | 55% | 70% |
| 7 | Not specified | 45% | 35% | Not specified | 55% | 65% |
| 8 | Not specified | 80% | 35% | Not specified | 20% | 65% |
| 9 | Not specified | 80% | 35% | Not specified | 20% | 65% |
| 10 | Not specified | 80% | 35% | Not specified | 20% | 65% |
| 11 | Not specified | Not specified | 45% | Not specified | Not specified | 55% |
| 12 | Not specified | Not specified | 45% | Not specified | Not specified | 55% |
| 13 | Not specified | Not specified | 80% | Not specified | Not specified | 20% |
| 14 | Not specified | Not specified | 80% | Not specified | Not specified | 20% |
| 15 | Not specified | Not specified | 80% | Not specified | Not specified | 20% |
Plan Max – Hasanah Early CI Fee & Contribution Allocation (Without Hasanah Cash)
| Tahun Polis | Tabarru' 5yr | Tabarru' 10yr | Tabarru' 15yr | Ujrah 5yr | Ujrah 10yr | Ujrah 15yr |
|---|---|---|---|---|---|---|
| 1 | 18% | 19% | 18% | 82% | 81% | 82% |
| 2 | 18% | 19% | 18% | 82% | 81% | 82% |
| 3 | 18% | 19% | 18% | 82% | 81% | 82% |
| 4 | 18% | 19% | 18% | 82% | 81% | 82% |
| 5 | 50% | 19% | 18% | 50% | 81% | 82% |
| 6 | Not specified | 21% | 21% | Not specified | 79% | 79% |
| 7 | Not specified | 21% | 21% | Not specified | 79% | 79% |
| 8 | Not specified | 30% | 21% | Not specified | 70% | 79% |
| 9 | Not specified | 40% | 25% | Not specified | 60% | 75% |
| 10 | Not specified | 50% | 25% | Not specified | 50% | 75% |
| 11 | Not specified | Not specified | 25% | Not specified | Not specified | 75% |
| 12 | Not specified | Not specified | 31% | Not specified | Not specified | 69% |
| 13 | Not specified | Not specified | 32% | Not specified | Not specified | 68% |
| 14 | Not specified | Not specified | 40% | Not specified | Not specified | 60% |
| 15 | Not specified | Not specified | 50% | Not specified | Not specified | 50% |
Plan Max – Fee & Contribution Allocation (With Hasanah Cash)
| Tahun Polis | Tabarru' 5yr | Tabarru' 10yr | Tabarru' 15yr | Tanahud 5yr | Tanahud 10yr | Tanahud 15yr | Ujrah 5yr | Ujrah 10yr | Ujrah 15yr |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 11% | 12% | 12% | 14% | 10% | 10% | 75% | 78% | 78% |
| 2 | 8% | 17% | 18% | 16% | 15% | 10% | 76% | 68% | 72% |
| 3 | 18% | 18% | 18% | 18% | 15% | 10% | 64% | 67% | 72% |
| 4 | 24% | 19% | 19% | 20% | 17% | 11% | 56% | 64% | 70% |
| 5 | 80% | 20% | 19% | 20% | 17% | 11% | 0% | 63% | 70% |
| 6 | Not specified | 21% | 25% | Not specified | 18% | 12% | Not specified | 61% | 63% |
| 7 | Not specified | 22% | 25% | Not specified | 18% | 12% | Not specified | 60% | 63% |
| 8 | Not specified | 50% | 27% | Not specified | 20% | 13% | Not specified | 30% | 60% |
| 9 | Not specified | 80% | 35% | Not specified | 20% | 13% | Not specified | 0% | 52% |
| 10 | Not specified | 80% | 35% | Not specified | 20% | 13% | Not specified | 0% | 52% |
| 11 | Not specified | Not specified | 42% | Not specified | Not specified | 15% | Not specified | Not specified | 43% |
| 12 | Not specified | Not specified | 42% | Not specified | Not specified | 15% | Not specified | Not specified | 43% |
| 13 | Not specified | Not specified | 80% | Not specified | Not specified | 15% | Not specified | Not specified | 5% |
| 14 | Not specified | Not specified | 80% | Not specified | Not specified | 20% | Not specified | Not specified | 0% |
| 15 | Not specified | Not specified | 80% | Not specified | Not specified | 20% | Not specified | Not specified | 0% |
Plan Max – Hasanah Booster Fee & Contribution Allocation (Without Hasanah Cash)
| Tahun Polis | Tabarru' 5yr | Tabarru' 10yr | Tabarru' 15yr | Ujrah 5yr | Ujrah 10yr | Ujrah 15yr |
|---|---|---|---|---|---|---|
| 1 | 18% | 19% | 18% | 82% | 81% | 82% |
| 2 | 18% | 19% | 18% | 82% | 81% | 82% |
| 3 | 18% | 19% | 18% | 82% | 81% | 82% |
| 4 | 18% | 19% | 18% | 82% | 81% | 82% |
| 5 | 50% | 19% | 18% | 50% | 81% | 82% |
| 6 | Not specified | 21% | 21% | Not specified | 79% | 79% |
| 7 | Not specified | 21% | 21% | Not specified | 79% | 79% |
| 8 | Not specified | 30% | 21% | Not specified | 70% | 79% |
| 9 | Not specified | 40% | 25% | Not specified | 60% | 75% |
| 10 | Not specified | 50% | 25% | Not specified | 50% | 75% |
| 11 | Not specified | Not specified | 25% | Not specified | Not specified | 75% |
| 12 | Not specified | Not specified | 31% | Not specified | Not specified | 69% |
| 13 | Not specified | Not specified | 32% | Not specified | Not specified | 68% |
| 14 | Not specified | Not specified | 40% | Not specified | Not specified | 60% |
| 15 | Not specified | Not specified | 50% | Not specified | Not specified | 50% |
Plan Max – Hasanah Booster Fee & Contribution Allocation (With Hasanah Cash)
| Tahun Polis | Tabarru' 5yr | Tabarru' 10yr | Tabarru' 15yr | Tanahud 5yr | Tanahud 10yr | Tanahud 15yr | Ujrah 5yr | Ujrah 10yr | Ujrah 15yr |
|---|---|---|---|---|---|---|---|---|---|
| 1 | 21% | 24% | 24% | 13% | 11% | 11% | 66% | 65% | 65% |
| 2 | 17% | 24% | 24% | 18% | 12% | 11% | 65% | 64% | 65% |
| 3 | 18% | 24% | 24% | 20% | 15% | 11% | 62% | 61% | 65% |
| 4 | 20% | 24% | 24% | 20% | 17% | 12% | 60% | 59% | 64% |
| 5 | 50% | 24% | 24% | 20% | 17% | 12% | 30% | 59% | 64% |
| 6 | Not specified | 24% | 24% | Not specified | 18% | 13% | Not specified | 58% | 63% |
| 7 | Not specified | 24% | 24% | Not specified | 18% | 13% | Not specified | 58% | 63% |
| 8 | Not specified | 24% | 24% | Not specified | 20% | 15% | Not specified | 56% | 61% |
| 9 | Not specified | 40% | 24% | Not specified | 20% | 15% | Not specified | 40% | 61% |
| 10 | Not specified | 50% | 24% | Not specified | 20% | 15% | Not specified | 30% | 61% |
| 11 | Not specified | Not specified | 24% | Not specified | Not specified | 17% | Not specified | Not specified | 59% |
| 12 | Not specified | Not specified | 24% | Not specified | Not specified | 17% | Not specified | Not specified | 59% |
| 13 | Not specified | Not specified | 24% | Not specified | Not specified | 17% | Not specified | Not specified | 59% |
| 14 | Not specified | Not specified | 40% | Not specified | Not specified | 20% | Not specified | Not specified | 40% |
| 15 | Not specified | Not specified | 50% | Not specified | Not specified | 20% | Not specified | Not specified | 30% |
Simulation Example – Mr. Ringgo, Age 30, 10-Year Contribution, 30-Year Coverage
| Parameter | Value |
|---|---|
| Masa Pembayaran Kontribusi | 10 tahun |
| Masa Asuransi | 30 tahun (auto-renewal every 30 years up to age 90) |
| Frekuensi Pembayaran | Tahunan |
| Kontribusi per tahun | Rp20,000,000 |
| Santunan Asuransi Dasar | Rp500,000,000 |
| Scenario | At age 55, diagnosed with Stroke (Advanced CI) |
| Payout Formula | (Santunan Asuransi + Hasanah Booster) – Manfaat Pilihan Yang Sudah Dibayarkan (Hasanah Early CI) |
Plan Lite – Early CI Covered Conditions
| Early CI Conditions |
|---|
| Karsinoma in situ pada organ tertentu |
| Pemasangan alat pacu jantung |
| Pericardectomy |
| Transmyocardial Laser Therapy |
| Penyakit Arteri Koroner ringan |
| Pembedahan Katup Jantung Percutaneous |
| Pembedahan invasif minimum terhadap Pembuluh Darah Aorta |
| Aneurisma besar aorta asimtomatik |
| Hipertensi Pulmonalis Tahap Awal |
| Sindrom Eisenmenger Ringan |
| Cardiomyopathy Hypertrophic |
| Endokarditis Infektif Sedang |
| Kehilangan fungsi salah satu anggota gerak |
| Pemasangan Cerebral Shunt |
| Penyakit atau cedera pada saraf tulang belakang yang menyebabkan usus dan kandung kemih tidak berfungsi |
| Penyakit Alzheimer sedang atau Demensia |
| Koma selama 48 jam |
| Penyakit Parkinson Sedang |
| Meningitis Bakteri dengan penyembuhan total |
| Pembedahan untuk mengangkat tumor pituitari |
| Pembedahan hematoma subdural |
| Ensefalitis dengan penyembuhan total |
| Neuropati Periferal |
| Trauma Berat pada Kepala |
| Bulbar Palsy Progresif Ringan |
Plan Lite – Advanced CI Covered Conditions
| Advanced CI Conditions |
|---|
| Serangan Jantung Pertama |
| Kanker |
| Stroke |
Plan Max – Advanced CI Covered Conditions (77 conditions)
| Advanced CI Conditions |
|---|
| Kanker |
| Serangan Jantung Pertama |
| Operasi Jantung Koroner |
| Penyakit Jantung Koroner Lain Yang Serius |
| Operasi Katup Jantung |
| Operasi Pembuluh Aorta |
| Pulmonary Arterial Hypertension Primer |
| Sindrom Eisenmenger Berat |
| Cardiomyopathy |
| Endokarditis Infektif |
| Stroke |
| Kelumpuhan |
| Multiple Sclerosis |
| Penyakit Alzheimer/Gangguan Otak Organik Degeneratif |
| Koma |
| Penyakit Parkinson |
| Meningitis Bakteri |
| Tumor Jinak Otak |
| Ensefaltitis (Radang Otak) |
| Poliomyelitis |
| Trauma Kepala Serius |
| Bulbar Palsy Progresif |
| Penyakit Paru-paru Kronis/Tahap Akhir |
| Penyakit Hati Kronis |
| Tuli |
| Kebutaan |
| Anemia Aplastik |
| Hepatitis Fulminan |
| Luka Bakar |
| Skleroderma Progresif |
| Rheumatoid Arthritis Berat |
| Gagal Ginjal |
| Transplantasi Organ Vital Tubuh |
| Muscular Dystrophy |
| Sistemik Lupus Eritematosus |
| HIV melalui Transfusi Darah dan Pekerjaan |
| Bisu |
| Penyakit Kolitis Ulseratif Berat |
| Myasthenia Gravis |
| Atrofi Otot Progresif |
| Supranuclear Palsy Progresif |
| Hepatitis Autoimun Kronis |
| Insufisiensi Adrenal Kronis |
| Osteogenesis Imperfecta |
| Tuberkulosis Meningitis |
| Keretakan Kecelakaan Pada Kolom Tulang Belakang |
| Penyakit Kista Medullary |
| Terminal Illness |
| Penyakit Motor Neuron |
| Apallic Syndrome |
| Aneurisia pembuluh darah otak yang mensyaratkan pembedahan |
| Terputusnya akar-akar saraf Plexus brachialis |
| Stroke yang memerlukan operasi arteri carotid |
| Operasi scoliosis idiopatik |
| Pankreatitis menahun yang berulang |
| Penyakit Kaki Gajah Kronis |
| Hilangnya kemandirian hidup |
| Penyakit Kawasaki Yang Mengakibatkan Komplikasi Pada Jantung |
| Sklerosis Lateral Amiotrofik |
| Necrohemorrhagic Pankreatitis Akut |
| Atrofi pada Otot Tulang Belakang |
| Operasi Otak |
| Metastasis Otak |
| Demam Rematik dengan Kerusakan Katup Jantung |
| Penyakit Creutzfeldt-Jakob |
| Full Blown AIDS |
| Demam Pendarahan Ebola |
| Pheochromocytoma |
| Sindrom Nefrotik Parah yang Terus Kambuh |
| Amiotrifi Tulang Belakang pada Anak-Anak dengan Tipe 1 |
| Hemofila Parah |
| Penyakit Tangan, Kaki dan Mulut dengan komplikasi parah |
| Artritis Sistemik Kronis pada Anak (Penyakit Still) |
| Penyakit Wilson |
| Diabetes Melitus yang bergantung pada Insulin |
| Hidrosefalus |
| Demam Dengue Berdarah Parah |
Benefits
Death Benefit
100% Santunan Asuransi paid as lump sum, reduced by any optional benefits already paid
Accidental Death Benefit
Rp50,000,000 additional (applicable when premium paid via auto-debit credit card or savings account and no change to payment method during contribution period)
Critical Illness Benefit
100% Santunan Asuransi paid as lump sum upon first diagnosis of Advanced CI, policy ends after payment
Early Ci Benefit
25% or 50% of Santunan Asuransi per claim, max Rp1,500,000,000 per claim, up to 2 claims for different CI conditions with 1-year waiting period between claims, total max Rp3,000,000,000; early CI paid reduces Advanced CI payout
Key facts
plan options
Plan Lite, Plan Max
product type
Critical Illness
claim deadline
60 calendar days from diagnosis or death
wakaf facility
Yes
entry age insured
1 month – 60 years (5-year contribution), 1 month – 55 years (10-year contribution), 1 month – 50 years (15-year contribution)
premium frequency
annual, Semi Annual, quarterly, monthly
product structure
Traditional Sharia
early ci conditions
25
minimum sum assured
Rp100,000,000
claim payment timeline
14 business days from complete documentation
coverage period detail
20 or 30 years with automatic renewal guaranteed every 30 years up to max age 90
entry age policyholder
Minimum 18 years
hasanah cash description
Cash benefit paid once during policy period; if selected, surrender value from Tanahud fund applies after 20th policy year
premium frequency factors / annual
100%
premium frequency factors / monthly
10%
premium frequency factors / quarterly
27%
Riders
Manfaat Tambahan
Hasanah Early CI
Optional25% or 50% of Santunan Asuransi paid upon first diagnosis of Early CI condition, max Rp1,500,000,000 per claim, up to 2 claims for different conditions with 1-year waiting period, total max Rp3,000,000,000; reduces Advanced CI payout
Additional premium: Contribution allocation shown in fee tables
Hasanah Booster
OptionalAdditional lump sum benefit paid upon Advanced CI diagnosis, contribution allocation varies by plan and payment period
Additional premium: Contribution allocation shown in fee tables
Hasanah Cash
OptionalCash benefit paid once during policy period; includes Tanahud fund component with surrender value after 20th policy year
Additional premium: Contribution allocation shown in fee tables
Payor Syariah
OptionalWaiver of base and additional benefit contributions if contributor is first diagnosed with Early CI, Advanced CI, or dies; applies until end of contribution period
Competitor context
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Shifa Essential
Salam Healthier Future Assurance Shifa Essential
Si Bijak Hari Tua
Manulife Dynamic Smart Assurance
Smile Optima Flexilink
AIA AMANI
Asuransi Mandiri Ultimate Legacy