Personal Accident / Allianz Life Indonesia
Accidental Death & Disablement Benefit (Rider)
Personal-accident rider — ADDB.
★ The Insurer’s Play
analytical interpretationLimited read — analysis pending. Likely intent: add low-cost accident cover that is easy to bundle. Full read pending a Strategic Brief.
Our read of the insurer’s design intent — not their stated words. Use it to judge fit, not as a fact about the policy.
Who this fits — and who it doesn’t
Fit guidance becomes available once this product has a Strategic Brief.
Key facts
Coverage
- Sum assured / coverage range observed in PDFs: IDR 8,000,000 – IDR 5,000,000,000
- Policy term: tied to base policy term
Premium
Premium varies by sum assured, age, and base-policy attachment. See RIPLAY for full pricing tables.
Target Customer
Existing Allianz policyholders seeking add-on rider coverage. (Rider — must attach to a base policy.)
Key Features
- Rider designed to attach to existing Allianz base policy
- Personal Accident coverage extension
- Documented in OJK-mandated RIPLAY format
Expert · technical detail
How Personal Accident products differ
Still building · 100% 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.
Category benchmarks for Personal Accident are still being built.
Expert · full Strategic Brief
No Strategic Brief yet for this product — analysis pending.
Switch to Expert (top-right) for the full 10-section brief, benchmarks, compliance flags, and source documents.