Asuransi X-Tra Optima (CIMB Niaga)

Optimum investment, maximum protection

Creating a proper financial planning by choosing the right insurance which can cover your needs is one thing you should do to achieve your financial goals.

This is provided by Asuransi X-Tra Optima, a unit-linked insurance product brought to you by Sun Life Financial Indonesia cooperating with CIMB Niaga. Asuransi X-Tra Optima is part of One Life Solution, a holistic solution for various plans in every life stage specially designed for CIMB Niaga clients.


Death benefit: if the insured dies during the policy period, 100% of sum assured plus the value of investment-linked fund (if any) will be paid to the beneficiary.

Investment Benefit: enjoy the benefit of the value of investment-linked funds at the end of the policy period or before.

Get extra protections

  • Compensation for the risks of death, total permanent disability, and partial permanent disability due to accidents.
  • Daily hospital income for hospitalization, including intensive care at Intensive Care Unit (ICU).
  • Compensation for the risk of suffering from one of 40 critical illnesses.
  • Compensation to cover hospitalization costs in the form of cashless facility.
  • Compensation for the risk of death or total permanent disability worth of percentage of basic sum assured every month for 5 years.

Terms and conditions:

Currency: IDR

Entry age

  • Policy owner: 18-80 years old
  • Insured: 6 months – 70 years old

Single premium, starting from IDR 30,000,000 (bank commission included)

Coverage period: until the insured reaches the age of 88

Investment fund management

The unit price shall be calculated on daily basis and the performance of investment funds available in some newspapers or you can visit here.

In managing your investment fund, Sun Life Financial Indonesia cooperates with reliable and world class investment managers, such as Schroders Investment Management and Fortis Investment.

For detailed product information, click here.

Following is rider to maximize your protection.

Providing world-class, complete health protection for up to 88 years. More

Disclaimer: Asuransi X-Tra Optima is life insurance product with investment related (PAYDI) and subject to investment risk. Prior to purchasing PAYDI, the Applicant (Policyholder, Insured, and/or Participant) must read and understand the product information summary. Please note that past PAYDI investment performance is not indicative of future performance.