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Basic insurance coverage of insurance Policy.

Contribution paid periodically every Due Date with a fixed amount in accordance with the Policy Data and becomes the terms of the Policy.

The value of total Units formed under the Policy at a certain moment, of which the Investment Fund is derived from the payment of the Basic Premium.

Premiums that AIA have set out as stated in the Policy, which You are required to pay regular basis to AIA during the specified Premium Payment Period, which is the same amount at each due date and becomes the terms conditions of this Policy.

Individuals or Entity who are entitled to receive Insurance Benefits as provided in the Policy Data.

Consists of Policy issuance cost & medical examination fee (if any).

Certain period for You to learn the provisions in the Policy book.

If You cancel the Policy in this period, AIA will refund Your Premium/Contribution after being deducted by Free Look Administration Fee.

Period of 45 (forty five) calendar days as of the Basic Premium Payment due date in which the Policy will remain in force even if the Basic Premium has not been paid in full.

Damage to the body or wounds, either in the form of an external or internal wound due to an Accident and proven by a Doctor's diagnosis.

All Premium deducted by Acquisition Cost and/or Top-Up Cost, if any, as stated in the Additional Terms of the Policy.

Part of Contributions used for tabarru' contributions and Ujrah of risk administration.

Benefits provided by AIA in accordance with the terms and conditions of the Policy.

PT. AIA FINANCIAL here in after referred to as "AIA".

Physical condition characterized by aberration / pathological abnormalities of normal healthy state.

Persons who participate in life insurance with sharia principles of possible risks arising on him/her in accordance with the provisions applicable to the Policy.

Persons who participate in life insurance from possible risks arising on him/her in accordance with the provisions applicable to the Policy.

Application documents submitted in writing by You as Policy holder to convene an insurance agreement.

Part of the Basic Contributions and / or, if any, part of the Periodic Top-Up Contribution or part of the Single Top-Up Contribution, to be invested in accordance with the type of Sharia investment that You chose in accordance with the agreed Akad.

Part of the Policy which contains the brief of insurance coverage under the Policy.

Contributions that are planned to be paid periodically at the start of insurance coverage or at the time of insurance protection change, whichever occurs the latest, consisting of Basic Contributions and Periodic Top-Up Contributions, if any.

Contributions used to supplement Your Fund Investment, which is paid periodically at the Maturity Date with a fixed amount in accordance with the Policy Data, unless You uses the Auto Contribution Holiday facility.

Period where the Basic Premium shall be paid as stipulated in the Policy.

The value of the total Units formed under this Policy at a certain moment, whose Investment Fund is derived from the payment of Premium Regular Top-Up and Premium Single Top-Up.

The result of reduction of Investment Fund Value with the Police Redemption and other Ujrah redemption upon Policy redemption, if any.

Cash Value and accumulated additional benefits are not guaranteed, if any.

Individual or Entity whose name is stated in the Policy as the contracting party to the insurance agreement hereinafter referred to as "You".

Withdrawal of all Your Fund Investment prior to Policy maturity date.

Loan on Cash Value formed from the Policy.

Document of the insurance agreement between AIA and You, including the General Terms of the Policy and / or the Additional Terms and / or the Special Terms and / or any endorsements and / or other changes contained therein which AIA signed, including the Application Form or Life Insurance Application Letter, Policy and/or documents related to any documents in the process of submission of such insurance, as well as other documents related to the Policy, which as a whole is a unity and an integral part of the Policy.

amount of money that You paid to AIA in connection with the closing of this Policy, which consists of the Basic Premium and Top-Up Premium, if any.

Premiums that are planned to be paid periodically as specified in the Policy consists of Basic Premium and Premium Top Up Regular, if any.

Consist of a Regular Top-Up Premium and / or a Single Top-Up Premium.

The date on which the Policy starts becomes expiry as stated in the Policy.

Date when You requests to reinstate the Policy has been approved by AIA and all the provisions relating to the recovery Policy have been fullfilled by You.

The period between one Policy anniversary with the next Policy anniversary, whose calculation starts from the Policy Effective Date.

Grace period of one premium anniversary paid off with the next premium anniversary, whose calculation starts from the Policy Effective Date.

Date on which the Policy becomes effective, as stated in the Policy Data.

The date on which You have to pay the Premium.

Loan funds from AIA to Tabarru' Fund to overcome the insufficient asset of Tabarru' Fund to pay compensation / claims to You.

Insurance supplementary coverage in addition to Basic Insurance of the Policy which types are mentioned on Policy Data and/or endorsement.

Fees incurred for Rider based on the Special Terms.

The result of Account Value reduction with Policy redemption fee and other costs at the time of redemption, if any.

Premium payment facility using existing Cash Value with adjustments to the amount of insurance benefits.

Types of insurance protection benefits as specified in the Specific Terms, which amount stated in the Policy.

Premium that AIA sets as the validity terms of Rider Protection, if any.

Premiums to be allocated for investments other than Basic Premiums paid in conjunction with Basic Premium payments.

Reactivation of Life Insurance / Sharia Life Insurance that has ended.

An effort on mutual help basis (ta'awuni) and protect (takafuli) among the Participants through the establishment of a fund collections (Tabarru' Fund) which is managed according to sharia principles to deal with certain risks.

Contributions used to supplement Your Fund Investment which is paid on time and by amounts that You desired.

Premiums to be allocated for investments paid at any time other than at the Basic Premium payment.

The amount of money listed in the Policy Data which is the value of the insurance agreement.

A collection of funds derived from the Participants contribution and the results of its investment, whose mechanism of use conforms to the agreed Akad Tabarru’.

Consists of Periodic Top-Up Contributions and / or Single Top-Up Contributions.

The price of one unit for each type of investment in the calculation of unit prices are calculated based on the provisions in the Policy.

The result of allocation between the value of each type of investment portfolio and the related unit balance at a certain moment, reflecting the value of the assets plus the return on investment receivables and receivables after deduction of administrative costs, investment management fees, taxes and any other fees, if any.

The total excess of Your Contribution into Tabarru' Fund, after deducted from the benefits/claim payment, reinsurance contributions and technical reserves in one period.

The remuneration paid by You to AIA in connection with Takaful Insurance management and Your investment as set forth in the Policy.

The value of the unit in the form of a fraction which reflecting Your ownership of fund Investment for each type of investment.

The total value of the investments formed and owned by You, calculated based on the multiplication of the total Units balance held by You and listed in AIA book with Unit Price at a certain time.

The period after the Rider benefit payment request is approved by AIA until:

a.   The remaining Premium Payment Period; or

b.   The Insured reaches age 25 (twenty-five) years.

whichever comes first.