Regular Premium Unit link product from Sun Life Financial in Indonesian RupiahASURANSI ROYAL CARE is a unit link life insurance with regular premium payment which provides as charged hospital reimbursement rider benefit.FEATUREProtection for 88 year periodCashless in hospital provider in Indonesia/AsiaAs charged hospital reimbursement until 5 billionOne bedroom facilityTreatment of cancer, kidney failure, cancer reconstruction surgeryMedical expert opinion services and claims through Medical Applications ClickBenefits medical emergency both in local and abroadBENEFITDeath BenefitIn case of death of the Insured caused by sickness or accident or other natural causes, Insurer will pay 100% Sum Assured.Maturity BenefitIf Insured lives until end of policy term, Insurer will pay 100% investment fund.Rider BenefitIf Insured is undergoing treatment in hospital, Insurer will pay the hospital bills according plan.RISKMarket Risk / Unit Price Reduction RiskMarket risk is is the risk of losses inpositions arising from movements in market prices.Liquidity RiskHappens when the market reacts extremely, the party involved in assets transactions could not find a client in the market.Economic Risk and Political Changes Changes on the regulation of capital and money market also changes in politics. REQUIREMENTS & PROCEDURESPolicy Holder Age 21 - 70 years (last birthday)Has Commonwealth Bank AccountFill out Application FormCopy Customers IdentificationOther Supporting DocumentsShould you require further information, please contact our 24 hours Call Commbank in 15000-30 or (area code) 15000-30 from mobile or visit our nearest branch.FEE AND CHARGESAcquisition Fee100% from regular basic premium in first yearRegular FeeCharged in monthly basis from investment balance as follows:i. 50% from regular basic premium in second yearii. 30% from regular basic premium in third yeariiI. 10% from regular basic premium in fouth yearInsurance FeeCharged in monthly basis applied in 13rd month from investment balance according to age, sex and sum insured.Administration FeeIDR40,000 applied in 13rd monthPremium Fee YearRegular PremiumTop Up RegularTop Up SingleBasic PremiumRider10%0%5%5%2-55%5%5%5%6+5%0%5%5%*for total premium above IDR 2 Billion, premium fee for top up regular/single will be charged 3%Management FeeMaximal 2.5% per annum from investment portfolioCustodian FeeMaximal 0.35% per annum from each investment fundSwitching FeeFREE 3x per year, more than that will be charged 0,5% from switching value or minimum IDR100,000DISCLAIMERThe insurance product issued by PT Sun Life Financial Indonesia and referenced / recommended by PT Bank Commonwealth (Commonwealth Bank) to its customer. This product is not issued by Commonwealth Bank consequently Commonwealth Bank doesn’t responsible for any obligation and doesn’t provide any assurance of this insurance product. This insurance product and the fund is not included in Deposit Guarantee Program of Government of Republic Indonesia (Lembaga Penjamin Simpanan). Commonwealth Bank also not undertakes for any risk of the Insurance Policy issued by PT Sun Life Financial Indonesia in related to the insurance product. The Commonwealth Bank’s logo usage is entirely for cooperation reason between Commonwealth Bank and PT Sun Life Financial Indonesia in regard to the marketing process of the Insurance Product. Commonwealth Bank is neither an agent of PT Sun Life Financial Indonesia nor a broker of Commonwealth Bank customers. The fund placed will not be included in and / or not will be secured by a deposit guarantee program by LPS.