1. PRUCinta Syariah
Overview: PRUCinta Syariah is a Sharia-compliant life insurance product designed to provide comprehensive life protection while adhering to Islamic principles. It ensures financial security for the policyholder's family in the event of the policyholder's death.
Features:
- Sharia-Compliant: Fully adheres to Islamic principles, ensuring ethical management and investment of funds.
- Sum Assured: Guaranteed payout to beneficiaries upon the policyholder's death.
- Flexible Premium Payments: Options for regular premium payments to suit different financial capabilities.
- Rider Options: Additional riders such as critical illness and accidental death can be added for enhanced protection.
- Premium Waiver: Waiver of premiums in case of total permanent disability, ensuring continued coverage.
Benefits:
- Financial Security: Ensures financial support for beneficiaries in case of the policyholder’s death.
- Ethical Assurance: Compliance with Sharia principles in all transactions and investments.
- Customizable Coverage: Flexible options to tailor the policy with additional riders.
- Peace of Mind: Provides assurance that the policyholder’s family is financially protected.
2. PRULink Syariah Assurance Account
Overview: PRULink Syariah Assurance Account is a unit-linked life insurance product that combines life protection with investment opportunities, all in accordance with Sharia principles. It allows policyholders to grow their wealth while ensuring financial security for their loved ones.
Features:
- Unit-Linked Investment: Combines life insurance with investment opportunities in Sharia-compliant funds.
- Flexible Premium Payments: Options for regular or single premium payments.
- Top-Up Option: Additional premium payments can be made to enhance the investment value.
- Rider Options: Customizable with additional riders like critical illness, hospital income, and accidental death coverage.
- Sharia-Compliant Funds: Investment in ethical, Sharia-compliant funds.
Benefits:
- Life Protection: Ensures financial security for beneficiaries in case of the policyholder’s death.
- Investment Growth: Potential for investment growth through Sharia-compliant funds.
- Ethical Assurance: Adherence to Islamic principles in all investments and fund management.
- Flexibility: Adaptable to changing financial needs and goals, with options to enhance coverage and investment.
3. PRUCritical Benefit Syariah
Overview: PRUCritical Benefit Syariah provides financial protection against critical illnesses while adhering to Sharia principles. It supports policyholders during severe health conditions by offering a lump sum payout upon diagnosis of covered illnesses.
Features:
- Comprehensive Illness Coverage: Covers a wide range of critical illnesses such as cancer, heart attack, stroke, and more.
- Lump Sum Benefit: Immediate payout upon diagnosis to help cover medical and living expenses.
- Sharia-Compliant: Ensures that all aspects of the policy adhere to Islamic principles.
- Flexible Sum Assured: Choose the coverage amount based on individual needs.
- Renewable Policy: Option to renew the policy to continue protection.
Benefits:
- Financial Support: Helps manage treatment costs and other financial burdens during critical illness.
- Peace of Mind: Ensures policyholders can focus on recovery without financial stress.
- Ethical Assurance: Compliance with Sharia principles in all transactions and investments.
- Flexible Coverage: Tailored to meet different protection needs.
4. PRUlife Cover Syariah
Overview: PRUlife Cover Syariah is a term life insurance product that offers high coverage at an affordable cost, in compliance with Sharia principles. It is suitable for individuals seeking significant life protection for a specific period.
Features:
- Affordable Premiums: Cost-effective premiums for high coverage amounts.
- Fixed Term: Coverage for a specified term, such as 10, 20, or 30 years, with the option to renew.
- Sharia-Compliant: Ensures ethical management and adherence to Islamic principles.
- Rider Options: Optional riders like critical illness and accidental death can be added.
- Simplified Enrollment: Easy enrollment process without the need for extensive medical underwriting.
Benefits:
- High Coverage: Provides substantial life protection at a lower cost.
- Financial Security: Ensures that beneficiaries are supported in the event of the policyholder’s death.
- Ethical Assurance: Compliance with Sharia principles, ensuring ethical investment and fund management.
- Flexibility: Ideal for temporary protection needs, with options to enhance coverage through riders.
Prudential Indonesia’s Syariah life insurance products offer comprehensive life protection while adhering to Islamic principles. These products ensure financial security for policyholders' families, provide opportunities for investment growth, and offer peace of mind through ethical and Sharia-compliant practices.