Product Knowledge Assessment For Asm & Rsm Syariah

The correct answer is 45% dari total Santunan Asuransi. This means that the maximum amount of the Wakaf Manfaat Santunan Asuransi through Asuransi Jiwa Syariah in AXA Mandiri is 45% of the total Santunan Asuransi.

The selling point of the Mandiri Elite Plan Syariah product is that there is no ujrah (fee) charged when the participant transfers some or all of their funds from one fund to another. This feature provides flexibility and convenience for participants to manage their investments without incurring additional costs.

The Loyalty Bonus of 20-25% from the Total Contribution (Basic Contribution and Regular Top Up from year 5 to year 8) is not a benefit of the Mandiri Elite Plan Syariah. The other options listed, such as the maximum coverage of up to 50 times the Basic Contribution and the additional 100% coverage for Accidental Protection during Hajj/Umrah, are benefits of the plan.

The protection for death due to accidents during the performance of Hajj/Umrah is provided to participants (up to the age of 70), except in the case of death occurring in a city other than Makkah and Madinah after the completion of the Hajj/Umrah. This means that if a participant dies in a different city after completing their Hajj/Umrah, they will not be eligible for the protection.

The maximum amount of Wakaf Manfaat Nilai Tunai through Sharia Life Insurance at AXA Mandiri is 30% of the total Cash Value formed when the claim is approved.

The correct answer is Santunan dasar Rp 750.000.000 + maslahat tambahan karena kecelakaan Rp250.000.000. This is because the question states that Bapak Danny has both the basic insurance benefit of Rp 750.000.000 and an additional benefit due to an accident of Rp 250.000.000. Therefore, in the event of his death caused by an accident, he will receive both of these benefits.

Ibu Mia memiliki produk MPS - Solusi Perlindungan Penyakit Kritis Syariah dengan santunan asuransi sebesar Rp 1.000.000.000. Namun, pada saat usia 55 tahun, Ibu Mia mengalami stroke haemoragic. Berdasarkan informasi yang diberikan, Ibu Mia akan menerima manfaat tambahan yang diberikan oleh produk tersebut atas kejadian tersebut. Dalam hal ini, manfaat yang akan diterima oleh Ibu Mia adalah Maslahat Tambahan Penyakit Kritis sebesar Rp 1 Miliar.

The correct answer is Ujrah Akuisi Rp 19.600.000,- dan Ujrah Top Up Rp 300.000,-. This is because the question asks for the amount of ujrah akuisi (acquisition fee) and ujrah top up (top up fee) in the first year. The ujrah akuisi is calculated as 4% of the total contribution, which is 4% of Rp 40.000.000,-, resulting in Rp 1.600.000,-. However, since the policyholder is under 40 years old, there is an additional charge of 3% of the total contribution, which is 3% of Rp 40.000.000,-, resulting in Rp 1.200.000,-. Therefore, the total ujrah akuisi is Rp 1.600.000,- + Rp 1.200.000,- = Rp 2.800.000,-. The ujrah top up is calculated as 3% of the top up contribution, which is 3% of Rp 12.000.000,-, resulting in Rp 360.000,-. However, since the policyholder is under 40 years old, there is an additional charge of 3% of the top up contribution, which is 3% of Rp 12.000.000,-, resulting in Rp 360.000,-. Therefore, the total ujrah top up is Rp 360.000,- + Rp 360.000,- = Rp 720.000,-.

The correct answer is "Ujrah Top Up Reguler Rp 375.000,- & Ujrah Top Up Lumpsum Rp 2.500.000,-". This is because the question states that Nyonya Danisa made a top-up lump sum of Rp 100.000.000,- in the second year of the policy. The ujrah for the regular top-up is calculated as 0.375% of the top-up amount, which is Rp 375.000,-. The ujrah for the lump sum top-up is calculated as 1.5% of the top-up amount, which is Rp 2.500.000,-. Therefore, the correct answer is the one that includes these values.

Pak Zayn joined the life insurance program with an annual contribution of Rp 12 million and a life insurance benefit of Rp 2 billion. He intends to allocate 45% of the insurance benefit and 30% of the investment value for waqf purposes, with the remaining amount going to the beneficiaries. At the age of 63, Pak Zayn unfortunately passed away due to a car accident. The cash value at the time of the claim was Rp 510,624,100, assuming a 10% annual return on investment. The amount of waqf funds from the cash value that will be distributed to the Waqf Institution is Rp 153,187,230.

Bapak Andra akan menerima Rp108,000,000 setelah dipotong ujrah penutupan polis.

The loyalty bonus that will be given at the end of the 8th policy year for the participant with a Mandiri Elite Plan Syariah and a total regular contribution of Rp 300 million per year (Rp 100 million for the basic regular contribution and Rp 200 million for the top-up regular contribution) is Rp 45 million.

The statement "Semua benar" means "All are correct" in English. This means that all the statements mentioned in the question regarding the significant differences in benefits and features between Mandiri Rencana Sejahtera Syariah (MRSS) and MPSS - Solusi Perlindungan Jiwa Syariah are true. The MRSS offers benefits such as insurance benefits in case of death due to any cause, investment value growth, minimum total basic contribution of Rp 2,500,000, and ujrah acquisition in the first 5 years. On the other hand, MPSS - Solusi Perlindungan Jiwa offers additional benefits such as insurance benefits in case of death due to accidents, benefits for disability due to accidents, and regular/top-up investment value growth.

Ibu Mia will receive a benefit of Maslahat Tambahan Penyakit Kritis 400 Juta. This is because the question states that she has a product called MPS - Solusi Perlindungan Penyakit Kritis Syariah, which includes a basic insurance benefit of Rp 400 million and an additional benefit for critical illness of Rp 400 million. Since she is diagnosed with stage IV breast cancer, she will be eligible for the additional benefit of Rp 400 million for critical illness.

The explanation for the correct answer "Semuanya benar" is that all of the statements (I, II, III, and IV) are true conditions for obtaining the Loyalty Bonus on the Mandiri Elite Plan Syariah product. Statement I states that continuous contribution payment without interruption is required until the end of the 8th policy year. Statement II states that the maximum withdrawal amount is 1.5 times the total basic contribution + regular top-ups, accumulated from the 5th policy anniversary until the end of the 8th policy anniversary. Statement III states that the policy must not be on or have ever been on contribution leave. Statement IV states that there should be no policy recovery when the policy is canceled or ends. Therefore, all of the statements are correct.

The correct answer is Maslahat Asuransi Tambahan Penyakit Kritis 500 juta. This is because the question states that Ibu Gina has a coverage of Rp 500 juta for Maslahat Penyakit Kritis. Therefore, in the event of a heart attack at the age of 40, she will receive the full coverage amount of Rp 500 juta for the critical illness. The other options mentioned in the question are either incorrect or not applicable in this scenario.

The correct answer is "Perlindungan atas 34 kondisi kritis". The other options mentioned in the question are all selling points of SPPK Syariah. They include additional benefits for accidents, coverage for critical illnesses until the age of 65, and additional benefits for critical illnesses. However, "Perlindungan atas 34 kondisi kritis" is not mentioned as a selling point of SPPK Syariah.

The correct answer is 15% dari Total Kontribusi Dasar + Kontribusi Top Up Berkala. This means that the Loyalty Bonus given to participants in the 7th year is 15% of the total basic contribution plus regular top-up contributions.

The total benefit that will be received by the beneficiaries from Pak Zayn is Rp 1,594,936,870. This can be calculated by multiplying the total insurance benefit of Rp 2,000,000,000 by 45% (for the insurance benefit) and 30% (for the investment value benefit), which equals Rp 1,350,000,000. Then, subtract this amount from the total cash value of Rp 510,624,100. The remaining amount is Rp 1,594,936,870, which is the total benefit that will be received by the beneficiaries.

The correct answer is the second option. This is because it states that the payment contributions will be exempted when the risk occurs up to the total contribution (basic contribution + extra contribution) until the child reaches 18 years old or the policyholder reaches 65 years old, whichever comes first.

Nona Lidya can receive a reimbursement of Rp0 for the doctor's fee and Rp0 for the cost of medication. This means that AXA Mandiri will not provide any reimbursement for the medical expenses incurred by Nona Lidya.

Based on the given information, the participant is 28 years old and can afford to pay contributions of Rp 30 million per year. The ideal composition of RBP mix is determined by the participant's risk tolerance and financial goals. In this case, the participant's ideal composition is RBP 9 million and RTU 21 million. This means that the participant should allocate 30% of their contributions to RBP (Rp 9 million) and 70% to RTU (Rp 21 million). This composition aligns with the participant's risk tolerance and financial goals.

The maximum additional accident coverage benefit and additional critical illness insurance coverage that Ibu Angela can have is Rp 250.000.000 and Rp 1.875.000.000 respectively.

The correct answer states that the payment of contributions will be waived when the risk occurs up to the total contribution amount, which includes the basic contribution, regular top-up, and extra contribution (if any), until the child reaches 18 years old or the policyholder reaches 65 years old, whichever comes first. This means that the policyholder will not have to make any contribution payments if the specified risks occur within the mentioned time frame.

Based on the information given, Tuan Anton has the MPS Solusi Perlindungan Kesehatan Syariah plan C. The maximum benefit that Tuan Anton can receive is Rp14.000.000 if he is hospitalized in the ICU for 7 days. This implies that the plan C provides coverage for ICU hospitalization and the benefit amount is determined based on the number of days spent in the ICU. The other options mentioned in the question are either for a different individual (Pak Badu) or for a different duration of ICU stay, so they are not applicable to Tuan Anton.

All of the statements provided in the options are correct. The first statement states that the cost of cancer treatment after hospitalization is covered up to a limit of Rp150 million. The second statement states that if Nyonya Lita uses the benefit of cancer treatment after hospitalization, she cannot use the benefit for treatment in the hospital. The third statement states that the first treatment for cancer should be inpatient, but subsequent treatments do not require hospitalization again. Therefore, all of the statements are correct.

Pak Zayn intends to allocate 45% of the insurance benefit as a wakaf and 30% as an investment value. The remaining amount will be given to termaslahat. The total insurance benefit is Rp 2 billion, so the wakaf amount is 45% of Rp 2 billion, which is Rp 900 million. The investment value is 30% of Rp 2 billion, which is Rp 600 million. The remaining amount is Rp 500 million. However, the question states that the claim's cash value is Rp 510.624.100, which means that the investment value is slightly higher than the calculated amount. Therefore, the wakaf amount will be slightly lower than Rp 900 million. The closest option to this amount is Rp 1.012.500.000.

The annuity factor used to calculate the cost of the contribution payment plus protection is based on the duration of coverage, which is 10 years. This means that the insurance company will provide coverage and guarantee the payment of contributions for a period of 10 years. After this period, the coverage may change or expire.

Based on the given information, Boni had an accident and was immediately taken to the emergency unit of a hospital. Therefore, the correct statement is that Boni received benefits for emergency outpatient treatment due to the accident, according to the chosen plan. This means that Boni's medical expenses for the emergency treatment will be covered by the insurance plan.

The correct answer is "Perlindungan Pembayaran Kontribusi Plus selama 12 tahun, dengan masa observasi selama 6 bulan setelah kecelakaan". This is because the question states that the policyholder (PP) is not the insured (TT), and the insured is 24 years old. The SDP Syariah Plan Gold provides a benefit of Rp500 million for insurance coverage and an additional benefit of Rp225 million for additional coverage. In the event of a total permanent disability, the participant will receive the benefit of paying the contributions for 12 years, with a 6-month observation period after the accident.

The ujrah cuti kontribusi is calculated by multiplying the annual contribution (Rp 48,000,000) by the remaining years until the policy maturity date (2023 - 2019 = 4 years) and then multiplying it by the RBP mix percentage (70%). Therefore, the ujrah cuti kontribusi is Rp 48,000,000 * 4 * 0.7 = Rp 16,800,000.

The correct answer is Rp2.300.000. This is because the total amount covered by the other insurance for the hospital room is Rp4.000.000, the total amount covered for the doctor's visit is Rp2.500.000, and the amount covered for the lab examination is Rp2.000.000. Therefore, the total benefit covered by AXA Mandiri is the remaining amount that is not covered by the other insurance, which is Rp2.300.000.

The given statement is true because all three statements mentioned in the options are correct. According to statement I, the entry age for Mandiri Elite Plan Syariah starts from 0 (15 days) to 70 years old. Statement II states that the coverage period for the plan starts from 0 (15 days) to 99 years old if the contribution payments are continuous. Statement III mentions that the coverage period for accident protection during Hajj/Umrah starts from 0 (15 days) to 70 years old if the contribution payments are continuous. Therefore, all three statements are true.

The correct answer is "Biaya Aneka Perawatan Rumah Sakit". This is because kemoterapi (chemotherapy) is a type of treatment for cancer, and "Biaya Aneka Perawatan Rumah Sakit" refers to the cost of various hospital treatments, which would include chemotherapy.

The correct answer is Rp20.000.000 (rawat inap biasa) + Sesuai Tagihan (ICU). This is because the participant has a MPS Solusi Perlindungan Kesehatan Syariah policy with plan D. According to the policy, the maximum benefit for regular hospitalization is Rp20.000.000. Additionally, for ICU treatment, the policy covers the actual bill, which means there is no specific limit mentioned. Therefore, the participant will receive a maximum benefit of Rp20.000.000 for regular hospitalization and the actual bill amount for ICU treatment.

The correct answer is "Perlindungan pembayaran kontribusi plus silver 12 juta/tahun dan perlindungan dana pendidikan total kontribusi 24 juta/tahun selama 11 tahun". This is because when the policyholder reaches the age of 45 and experiences total permanent disability, they will receive a benefit that includes the payment of contributions plus silver 12 million/year and total education fund protection with a contribution of 24 million/year for a duration of 11 years.

The correct answer is "Perlindungan dana pendidikan total kontribusi 30 juta/tahun selama 5 tahun". This is because the question states that the policyholder is a 60-year-old woman and the insured is a 35-year-old woman. The policy held is the SDP Syariah plan Gold, with a basic contribution of 20 million per year and a regular top-up of 10 million per year. When the insured is 39 years old, she is diagnosed with stage IV brain cancer. Therefore, the benefit to be received by the insured if the policy is opened when the insured's child is 9 years old would be a total contribution of 30 million per year for 5 years for education protection.

The termaslahat (beneficiary) appointed by Pak Banu will receive the insurance benefit of Rp 450 million plus the accumulated NI (Net Investment) amount. The additional accident insurance benefit of Rp 250 million and the percentage of UP (Unit Price) for the accident will not be included in the benefits received by the termaslahat.

The loyalty bonus is calculated based on the sum of the contributions made by the policyholder. In this case, Bapak Rusdi has made a total contribution of Rp 50 million annually for 7 years, which amounts to Rp 350 million. The loyalty bonus is 0.6% of the total contribution, which is Rp 2.1 million. Therefore, Bapak Rusdi will receive a loyalty bonus of Rp 2,100,000 at the beginning of the 7th policy year.

The correct answer is "Tidak ada manfaat yang dibayarkan". This means that Ibu Gina will not receive any benefits for the occurrence of stage IV uterine cancer. This is because the additional critical illness benefit for stage IV uterine cancer is not mentioned in the given information. Only the additional critical illness benefit for early stage carcinoma in situ is mentioned. Therefore, Ibu Gina will not receive any benefits for the stage IV uterine cancer.