i-Great Heritage Assurance

Financial planning program that is equipped with life protection


Single contribution with protection up to 99 years old

Opportunity for Amal Jariah

Wakaf features up to 45% of insurance benefit

Family valuable inherits

Insurance benefit up to 48X from Single Contribution

Other Advantages


200% of insurance compensation if passed away in the middle of Hajj/Umrah



Free of guaranteed issue or without medical check up to redeem insurance benefits up to 300 million



Free of evacuation and repatriation facilities (medical emergency services) worldwide


    Other Information


    Period of Protection


    Payment Method

    Minimum Single Contribution (KT)

    Entry Age

    Insurance Benefits

    Underwriting Method

    Product Information Summary

i-Great Heritage Assurance, is a sharia life insurance product that provides Life Insurance Benefits up to 99 years old (for) Participants aged 99. Insurance benefits on this product will increase by 100% if the Participant dies during the Hajj before or when the Participant is 70 years old during the Insurance Period. This product also provides a choice of Waqf facilities for Participants with a certain percentage of Insurance Benefits
Traditional Life Insurance with Death Benefit and waqf options
Up to 99 years old (Participants)
Rupiah (Rp)
At the same time (single premium)
Rp 10.000.000,- (ten million rupiah)
Participants : 14 days - 70 years old Policy Holder : 18 - 90 years old
Usia Masuk Faktor Pengali Manfaat Asuransi dan Kontribusi Tunggal
14 Hari - 24 Tahun 48
25 Tahun - 34 Tahun
35 Tahun - 44 Tahun
45 Tahun - 50 Tahun
51 Tahun - 54 Tahun
55 Tahun - 64 Tahun
65 Tahun - 70 Tahun
Note :
- Exclude additional contribution (Substandar)
- Participant (start from 18 years old) with Waqf option from 10% till 45%, with 5% multiplication from Insurance Benefits
Full Underwriting


i-Great Heritage Assurance
i-Great Heritage Assurance

i-Great Heritage Assurance

Story for Inspiration

Tanya OCBC

Written agreement between the Bank and other parties that contains the rights and obligations of each party in accordance with Sharia Principles.

The principles of Islamic law in banking activities are based on fatwas issued by institutions that have the authority to determine fatwas in the field of sharia.

The distribution of profit of Bank Syariah to the Deposit Customers is based on the agreed ratio every month. Revenue sharing depends on the amount and duration of deposits and bank income for the period. The amount of profit sharing is calculated based on bank revenue so that the customer must obtain profit sharing and not lose the principal savings.

The board is tasked with giving advice and advice to the Directors and overseeing the activities of the Sharia Business Unit to be in accordance with Sharia Principles.

Transaction of fund investment from the owner of the fund (shahibul mal) to the fund manager (mudharib) to carry out certain business activities in accordance with Sharia Principles, with the distribution of results of business between the two parties based on a mutually agreed ratio.

Funds or goods deposit transaction from the owner to the depositor of funds with an obligation for the depositing party to return the funds or goods deposited at any time or in accordance with the agreement.

Buying and selling transactions of goods at the acquisition price plus the margin agreed upon by the parties, where the seller informs the buyer in advance of the acquisition price.

Agreement of representation between one party to another. Wakalah is usually applied for making Letter of Credit, for purchasing goods abroad (L/C Import) or forwarding requests

Collaboration between two or more parties having funds and/or goods to carry out certain businesses in accordance with Sharia Principles by sharing the results of operations in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio.

Collaboration between two or more owners of funds and/or goods to carry out certain businesses in accordance with Sharia Principles with the distribution of operating results in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio, then one party gradually buys the other party's capital ownership, so that at the end of the cooperation period one party has the entire capital (100%).

The amount of profit agreed between the Bank and the Customer for financing transactions with a sale and purchase agreement (murabahah). Financing margins are fixed (fixed) unchanged throughout the term of the financing.

Share of profit sharing between the Bank and the Customer of funding and financing transactions with profit sharing agreements (mudharabah and musyarakah).

Lease transactions of goods and/or services between the owner of the object for lease, including ownership of the right to use the object for rent and the lessee to get compensation for the leased object.

Borrowing transactions without compensation for the obligations of borrowing party to repay the loan principal in one lump sum or installments within a certain period.

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