Categories / Critical Illness
Critical Illness
35 in-scope products. Different products win for different people — compare the trade-offs below, then open any product for the full read.
benchmark Legacy Income’s own/benchmark carriers in this category: AlliSya CI Hasanah, Asuransi Allianz Critical Plus, Flexi CI, Flexi CI Syariah, TM CI Guard, TM Critical Guard — labelled for reference; the analysis itself is unbiased.
How Critical Illness products differ
Still building · 77% coverageNo product wins every dimension — these are trade-offs, not a scoreboard. Where the dataset can’t yet support hard medians, we show the observed range and the analyst’s read.
- Most agency CI products are renewable-term structures (5/10/15-year periods) rather than whole-life CI cover.
- Early CI + Major CI + Premium Waiver triple-stack (Allianz pattern) is differentiating relative to single-stage products.
- Booster/return-of-premium tail benefits are increasingly standard for premium-tier CI.
- Sharia CI products follow conventional structure with Tabarru' / Wakalah bil Ujrah overlay.
- TMLI tm-ci-guard and tm-critical-guard are publishing-gap B set; lower confidence on full-feature comparison.
Coverage caveat: Critical-illness category is structurally heterogeneous: comprehensive CI lump-sum, early-stage CI add-ons, gender/condition-specific products, and recurring-payment CI. Aggregate quantitative benchmarking across these structures is misleading; sub-category qualitative comparison is preferred. Briefs rely on qualitative comparison plus direct PDF reading. (sample: ~23 products)
AIA Amani
AIA Amani is a Sharia-structured critical-illness-plus-life product sold through AIA's agency channel as a single integrated plan.
AIA Sehat Seratus
AIA Sehat Seratus is a comprehensive critical-illness product covering 136 conditions structured as a lump-sum payer with a distinctive multi-stage design: 100% sum assured for major CI diagnosis (then policy continues 12 months for overse…
AIA Vital Care
AIA Vital Care is a rider, not a standalone policy.
AlliSya CI Hasanah
Allisya CI Hasanah is a Sharia-compliant critical-illness protection product structured as a renewable-term CI contract (20 or 30 years) with a tiered benefit design: early-stage CI pays 25-50% of the base sum assured and resets; major CI…
Asuransi Allianz Critical Plus
Asuransi Allianz Critical Plus is a 20-year renewable term CI product that covers both early-stage and advanced critical illnesses on a tiered payout structure.
Asuransi Mandiri Proteksi Kanker Dini
Asuransi Mandiri Proteksi Kanker Dini is not a critical-illness product in the way customers expect.
Asuransi Mandiri Proteksi Penyakit Tropis
Asuransi Mandiri Proteksi Penyakit Tropis is a season-specific safety net for endemic Indonesian tropical diseases — most importantly dengue (demam berdarah) during the October-to-March rainy season, plus typhoid, malaria, hepatitis A, mea…
Asuransi Mandiri Secure CritiCare
Asuransi Mandiri Secure CritiCare is a deliberate counter-bet to the industry's arms race on condition counts.
Asuransi Sun Critical Medicare
Critical illness protection product by Sun Life Indonesia.
Asuransi Tambahan Mandiri Critical Care
Cristal Prime
CRISTAL Prime is the "money back if nothing happens" answer to CI insurance.
eSmile
Flexi CI
Allianz Flexi CI is a rider that turns critical illness into a defined, multi-stage payment mechanism.
Flexi CI Syariah
Flexi CI Syariah is a Sharia-structured critical-illness rider attached to a unit-linked base policy (PAYDI) that transforms premium deductions into multi-stage protection.
iSALAAM
iSalaam is Generali Indonesia Syariah's "amanah" framing of a long-horizon Sharia life-protection contract — it is structurally a traditional-life death benefit to age 99, not a critical-illness product despite the master-log tag.
Manulife Critical Care Protection
Manulife Proteksi Prima Kritis Andalan
MCI PRO
<pPenyakit kritis bisa menyerang siapa saja dan kapan saja.
MCI PRO 315
Generali MCI Pro 315 is not a standalone policy — it is a multi-stage critical-illness rider that attaches to a Generali BeSMART or BeSMART Lite base policy.
MiEarly Critical Protection (DBS)
MiOptiMax Cancer Care (DBS)
MiUltimate Critical Care
MiUltimate Critical Care (DBS)
Optima Cancer Protection
Optima Cancer Protection is the cancer-only, money-back, bank-channel CI policy for customers who want one risk addressed — cancer — at the lowest possible monthly ticket, with a meaningful guarantee that the premiums come back if nothing…
Proteksi Penyakit Kritis Maksima Ekstra (Prima Extra)
Prima Extra is a bank-channel critical-illness lump-sum policy that doubles as a long-dated whole-of-life contract — pay premiums for 5, 10, or 20 years, get protection to age 99, and walk away with a 100% Uang Pertanggungan (sum assured)…
PRUCritical Amanah
PRUCritical Amanah is Prudential Syariah's premium-tier Sharia critical-illness whole-life product, structurally distinctive on five dimensions that competitors rarely bundle together: (1) genuine whole-life CI cover with end-stage protect…
PRUCritical Benefit 88
PRUCritical Benefit 88 is a CI-with-ROP hybrid — the customer gets coverage against 61 end-stage critical illnesses, lump-sum death cover, an accidental-death doubler before age 70, and (the headline hook) 100% of total premiums paid back…
PRULady
PRULady is Prudential Indonesia's gender-specific critical-illness policy.
PRUSolusi Kondisi Kritis Syariah
PRUSolusi Kondisi Kritis Syariah is Prudential Syariah's entry-tier Sharia critical-illness product — structurally distinct from its premium-tier sibling PRUCritical Amanah on five dimensions: (1) yearly renewable Sharia CI cover, not whol…
Salam Healthier Future Assurance (SHIFA) Essential
SHIFA Essential is not a critical-illness lump-sum policy.
Smart Critical Assurance
Smart Critical Assurance is a three-tier critical-illness product with a fixed 5-year payment window and tiered payouts for multiple CI stages.
Smile Critical Ultima Care Secure
TM CI Guard
TM CI Guard is the strategic answer to "I want to protect my family against critical illness and early death, but I'm willing to accept a ramp-up on CI payouts." It is a hybrid term-life–with–critical-illness product (two plans: Plan A acc…
TM Critical Guard
TM Critical Guard is a short-pay endowment hybrid that bundles critical-illness cover with guaranteed savings returns.
VIP Cristal Shield
Deskripsi VIP Cristal Shield
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