Term Life-iPro

  • Overview
  • Requirements
  • Additional Information

iPRO is a term life insurance product with a regular premium payment system issued by PT Asuransi Jiwa Generali Indonesia (“Generali”) and marketed exclusively by Bank Mestika. iPRO provides a selection of additional insurance benefits (riders) to improve the protection.

Insurance Benefits

Generali provide protection and benefits as shown below. Description of protection and these benefits do not cover the overall protection afforded by iPRO. You should read the Policy book and Policy Schedule to know the details of the protection and benefits available, limitations, exclusions, and terms and conditions that apply.

Death Benefit

100% of sum assured as income replacement that will be paid every month for the payment of 60 months or 120 months (optional) when the insured dies within the coverage. The maximum sum assured is up to Rp 1,000,000,000 with the maximum age is 70 years of protection

iPRO is available with the following riders:

(Total Permanent Disability)
Protection against the risk of Total and Permanent Disability
(Accidental Death Benefit)
Protection against the risk of Accidental Death

Additional Benefits

No Claim Bonus
A refund of 50% or 100% (depending of option chosen) of paid premium if the insured is still alive and no claim activities on Main Benefit and/or Additional Benefit until the end of policy period.

Premium Payment Flexibility
Optional premium payment period from 1 to 5 year that can be adjusted with the available fund.

Long Insurance Protection Period
iPRO protects the Insured for 15 years, with entry age from 18 to 55 years old (nearest birthday).

Application Requirement:

  1. Entry Age 18 to 55 years old .(nearest birthday)
  2. Protects the insured for 15 years.
  3. Optional premium payment period, monthly,quarterly, biannually, annually
  4. Terms, conditions and charges refer to the policy provisions.


iPRO is an insurance product that is released by PT Asuransi Jiwa Generali Indonesia. PT Bank Mestika Dharma Tbk ("Bank Mestika") only acts as a sales agent for iPRO. iPRO is not a saving product that is deposited in Bank Mestika therefore Bank Mestika is not responsible for any and all claims and risks arising from the management of the product portfolio. iPRO is not guaranteed by Bank Mestika and its affiliates or by the government of Indonesia. Bank Mestika is not responsible for any insurance policy issued by PT Asuransi Jiwa Generali Indonesia.

PT Asuransi Jiwa Generali Indonesia is an insurance company that is registered and supervised by the Financial Services Authority or Otoritas Jasa Keuangan (OJK).

For more information call us MestikaCall 14083 or visit our nearest branch.