IFG LifeSAVER

IFG LifeCHANCE

An insurance product that provides benefits if the Insured is first diagnosed with a critical illness. With benefits of up to IDR 2,000,000,000,-, the Insured can determine the critical illness category themselves according to their needs.

IFG LifeCHANCE is a product of PT Asuransi Jiwa IFG Life, which is licensed and supervised by the Financial Services Authority. Therefore, the IFG Life Protection Platinum product is NOT a Bank BTN product and Bank BTN is not responsible for the policies issued by PT Asuransi Jiwa IFG.

Multi-Claim Benefits

Submit your claim benefits in more than 1 category

Critical Illness Protection

Protects you from early stage to late stage

Multi-Claim Benefits

Submit your claim benefits in more than 1 category

Critical Illness Protection

Protects you from early stage to late stage

Insurance Information

Insurance Benefits

If during the Insurance Period and the Waiting Period has passed, the Insured suffers or is diagnosed for the first time as suffering from one of the Critical Illnesses/Critical Conditions as stated in the List of Critical Illnesses/Conditions, and the Insured believes and knows for the first time that there are signs or symptoms of a condition that may be related to a Critical Illness after the Policy Effective Date, the Insurer will pay benefits in the form of Sum Insured as stated in the Policy.
Payment of IFG LifeCHANCE Insurance Benefits will refer to the List of Critical Illnesses/Conditions suffered by the Insured:

Stage	Description
Early Stage	If the Insured is diagnosed with one of the Critical Illnesses/Conditions in the early stage group, 50% of the Critical Illness Sum Insured will be paid.
Intermediate Stage	If the Insured is diagnosed with one of the Critical Illnesses/Conditions in the intermediate stage group, a maximum of 100% of the Critical Illness Insured will be paid.
Late Stage	If the Insured is diagnosed with one of the Critical Illnesses/Conditions in the late stage group, a maximum of 100% of the Critical Illness Sum Insured will be paid.

Payment of IFG LifeCHANCE benefits as in point 2 above, if the benefit payment has reached the maximum limit then the coverage ends, unless the Insured chooses additional Multiclaim and/or Angioplasty benefits.

Additional benefits can be selected to complete protection for the Insured with a maximum total benefit to be paid of IDR 2,000,000,000,-, according to the following options:

Claim	Description
Multi-claim	The insured can make claims in each disease category either in category 1 (cancer), category 2 (function and vital organs), category 3 (cardiovascular), category 4 (nervous system and brain), and/or category 5 (other serious illnesses) with a maximum sum insured of 100% in each category. Once the maximum Sum Insured in each category has reached 100%, the coverage for that category ends.
Angioplasty	Angioplasty and other invasive procedures for coronary artery disease at 10% (ten percent) of the Insured Sum. If the Insured is diagnosed and requires Angioplasty or other invasive procedures for coronary artery disease, an additional benefit of 10% (ten percent) of the Sum Insured will be paid. This additional benefit will be valid for 1 (one) claim with a maximum benefit to be paid of 10% (ten percent) of the Sum Insured per Insured.

Product Specifications

Product Specifications
Policyholder Entry Age	18 - 69 years
Insured Entry Age	1 - 60 years
Insurance Period	Min. 1 year and can be extended until the Insured is 70 years old
Insured Sum	Minimum: Rp. 100,000,000,-
Maximum: Rp. 2,000,000,000,-
Premium	According to Sum Insured, Gender and Age of the Insured
Permi Payment Period	In accordance with the Insurance Period
Premium Payment Method	Yearly or Monthly

Term & Condition

Term

Visit the nearest BTN Bank Branch Office, then complete the required documents
All information, statements and notifications provided are the basis for the Policy and are an inseparable part of the Policy
The correctness and completeness of filling in the data is the responsibility of the Policy Holder and/or Insured

Condition

1 Premium Payment Obligations

Prospective Policy Holders are obliged to pay Premiums to the Insurer in accordance with the amount of Premium and method of Premium payment as stated in the Policy
Premium payments are considered valid if the funds have been received in full by the Insurer

2 Claim Submission

Prepare claim documents, fill in completely and sign the claim submission form
The claim submission form can be downloaded via the official IFG Life website/media
Send all claim documents according to the claim submission requirements to the Insurer's office or you can directly visit the Walk in Customer & Insurer's Representative Office or nearest BTN Branch Office
The insurer receives, checks and analyzes the submitted claim documents. To find out the status of the claim, the Policy Holder/Insured can contact the Call Center 1500 176 or the change number.
If the claim is approved, the claim payment will be paid by the Insurer no later than 14 (fourteen) working days after the claim decision is approved

Benefits Illustration

Illustration of Benefits

Miss A (26 years old) purchased the IFG LifeCHANCE Policy as follows
Insurance Period	January 1, 2024 - December 31, 2024
Insured Sum	Rp. 500,000,000,-
Premi	Rp178.500,-
How to Pay Premiums	Monthly
Benefits	All Critical Illness Categories
Additional Benefits	Multiclaim and Angiosplasty

Illustration 1

If on March 1 2024 Miss A is diagnosed with early stage Cervical Cancer, then no Insurance Benefits will be paid because she is still in the Waiting Period (< 90 days).

If on July 28 2024 Miss A is diagnosed with early stage Cervical Cancer, an Insurance Benefit of 50% of the Sum Insured of IDR 250,000,000 will be paid.

If on September 2 2024 Miss A is diagnosed with late stage Cervical Cancer, then the Insurance Benefit will be paid in the amount of the remaining 50% of the Sum Insured of IDR 250,000,000.

If on December 28 2024 Miss A is diagnosed with early stage Kidney Failure, because there are multi-claim benefits, an Insurance Benefit of 50% of the Sum Insured of IDR 250,000,000 will be paid.

On December 31, 2024, Miss A's IFG LifeCHANCE Policy Coverage ends.

How To Register

1

Upload Data

Complete the data and document requirements on the IFG Life site or from the nearest BTN Branch Office .
2

Check Statement

Make sure the information, statements and notifications provided are the basis for procuring the Policy and are an inseparable part of the Policy.
3

Go to Customer Service

The correctness and completeness of filling in the data is the responsibility of the Policy Holder and/or the Insured.