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 pays the full base amount. Two structural features distinguish it in the Sharia CI space: the Hasanah Booster, which adds 50% extra to base and early CI benefits until age 60 (optional, Tabarru-funded); and the Hasanah Cash return, which refunds all premiums paid at the end of the contract term if no major CI has occurred (funded separately from the Tabarru’ fund). In one line: Sharia-compliant early-and-major CI with optional built-in booster and premium-return tail, transparent Tabarru’ fund mechanics.

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The Allianz Sharia brochure does not include a detailed numbered illustration as the LegacyPro RIPLAY does; the product structure is presented as a menu of features. The pricing table is age/gender/SA-dependent (typical for CI products). Below is a structural decode of the key benefit parameters:

Structural insight for agents: The Hasanah Cash feature is unusual in the Sharia CI category and positions this as a “savings + protection” hybrid. However, it is not a surrender value—it only pays at term end if there is zero CI activity. Customers seeking liquidity mid-term will be disappointed. The booster at age 60 is also limited (one-time, lapses at 61) and far less generous than the LegacyPro age-75 booster structure.

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Sweet Spot — Lead with Allisya CI Hasanah

• Age 30–50, married, 1–3 dependents
• Household income Rp 20M+/month (mass affluent and above)
• Explicit Islamic preference — customer self-identifies as Sharia-conscious and trusts Sharia banking/insurance brands (e.g., BSI account, existing CIMB Islamic exposure, regular Islamic charitable giving)
• Has basic health insurance (Allianz Flexi Syariah or competitor) and wants a CI layer that is Sharia-aligned
• Business owner or professional concerned about income replacement if a major illness strikes during peak earning years
• Comfortable with term-renewable mechanics (understands that Rp X coverage is guaranteed for 20/30 years, then re-underwrites)
• Appreciates the Hasanah Booster optionality; sees value in the refundable-premium structure

Borderline Fit — Discuss but qualify carefully

• Age 51–60 — entry age for Plan Max caps at 55 (15yr PPT) or 50 (10yr PPT). Older applicants are forced into Plan Lite (fewer conditions, lower max SA), which undercuts the Sharia value prop.
• Sharia-leaning but cost-sensitive — Allisya CI premiums run higher than conventional Allianz Critical+ because of the Tabarru’ fund charge and Sharia compliance overhead. If the customer pushes back on price, non-Sharia CI may be more compelling.
• Prospect already owns competing Sharia CI (e.g., Prudential Amanah CI, AIA Takaful CI) — probe the coverage gap before adding Allisya. Duplication risks customer dissatisfaction and reduces perceived value.

Do Not Pitch

• Customers without explicit Sharia preference — they are not the target market. Allisya CI premiums are premium-tier relative to conventional CI; the Sharia overlay only justifies that price if the customer genuinely values it.
• Prospects under age 30 with no dependents and stable income below Rp 15M/month — the minimum SA (Rp 100M) and term-renewable structure are misfit; term life is the right product.
• Customers expecting Sharia-as-discount — Allisya is not cheaper than conventional. If they are shopping price-first, redirect to conventional or term.
• Applicants with recent CI history or pre-existing conditions likely to trigger underwriting loads — full underwriting applies; non-standard cases add friction and may not be profitable at Allisya’s current pricing.

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Rule of thumb: If the customer’s opening contains “Saya mau yang sesuai syariah” (I want Sharia-compliant), “Penting bagi saya asuransi syariah” (Sharia insurance matters to me), or references to Islamic banking/giving, Allisya CI is in the conversation. If the opening is “Saya cari penyakit kritis murah” (I want cheap CI) or “Saya tidak peduli syariah atau konvensional” (I don’t care Sharia vs conventional), route to conventional Critical+ or a competing Sharia product with better price.

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The Indonesian critical-illness category spans 26 products: three structural archetypes are (1) early+major tiered CI (Allianz Critical+, Allisya CI Hasanah, AIA Vital Care); (2) early-stage only or condition-specific CI (Mandiri Proteksi Jantung/Kanker, Flexi CI variants); and (3) recurring-payment CI (Sehat Seratus). Quantitative category metrics are below 60% coverage, so the comparison below is qualitative and direct-PDF-based.

Confidence note: Structural dimensions (Akad, Tabarru’, Wakalah fees, Early CI reset mechanics, Booster timing, Cash return conditions) are high-confidence, drawn directly from RIPLAY (Ed. V2.3, dated 27012026) and brochure. Competitive positioning vs Prudential/AIA Takaful is assessed from category knowledge and direct PDF review of Prudential Amanah CI RIPLAY; however, full quantitative benchmarking against all 23 CI products in sample is incomplete (coverage <60%). Premium comparison claims are directional, not precise. Refresh trigger: when category-wide PDF coverage exceeds 60% and quantitative metrics stabilize.

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Opening — establish the right frame

“Most people think critical-illness insurance is about money. I think about it differently. It’s about the day your health crisis forces you to make a hard choice: do I take time to recover, or do I keep working to pay the bills. I’d like to talk about how to remove that choice.”

“Banyak orang pikir asuransi penyakit kritis itu soal uang. Saya melihatnya berbeda. Ini soal hari ketika krisis kesehatan memaksa Anda membuat pilihan berat: saya istirahat untuk pulih, atau saya tetap kerja untuk bayar tagihan. Saya ingin bicara tentang bagaimana menghilangkan pilihan itu.”

The Sharia value prop — conscience alignment

“If Sharia-compliant insurance matters to you — your bank is Islamic, you give regularly to zakat and sadaqah — then conventional insurance creates a disconnect. Your protection dollars fund interest-based models and speculative investing. Allisya CI is structured so your premiums go into a Tabarru’ mutual fund. Part of your premium is your gift to the pool (wakalah), and any surplus at contract end strengthens the fund for the next generation. You’re protecting yourself and the community at the same time.”

“Kalau asuransi sesuai syariah itu penting untuk Anda — bank Anda adalah bank syariah, Anda regular zakat dan sadaqah — maka asuransi konvensional ciptakan disconnect. Uang proteksi Anda danai model berbasis bunga dan investasi spekulatif. Allisya CI distruktur supaya premi Anda masuk ke Dana Tabarru’ bersama. Sebagian premi Anda adalah wakalah (amanah) Anda untuk pool, dan surplus apapun di akhir kontrak perkuat dana untuk generasi berikutnya. Anda proteksi diri sendiri dan masyarakat bersamaan.”

The Hasanah Booster — simple, concrete framing

“At age 60 — when retirement starts to feel real — your coverage automatically jumps 50%. Why? Because inflation eats the value of money over time. A Rp 1 billion promise today is worth less in 30 years. The booster ensures the protection grows with inflation.”

“Saat usia 60 — ketika pensiun mulai terasa nyata — perlindungan Anda otomatis naik 50%. Kenapa? Karena inflasi gerogoti nilai uang seiring waktu. Janji Rp 1 miliar hari ini nilainya lebih rendah dalam 30 tahun. Booster memastikan proteksi tumbuh dengan inflasi.”

The Hasanah Cash — framing the refund upside

“Here’s the piece most customers love: if you stay healthy through the term, at the end you get back everything you paid in premiums. It’s not like a savings account — the money is there to pay claims if you get sick. But if you don’t claim, you get it back. It’s like having your protection for free.”

“Ini bagian yang paling disuka banyak nasabah: kalau Anda tetap sehat sampai akhir term, Anda dapat kembali semua premi yang Anda bayar. Ini bukan seperti tabungan — uang itu ada untuk bayar klaim kalau Anda sakit. Tapi kalau tidak klaim, Anda dapat kembali. Seperti perlindungan gratis.”

The tier choice — Plan Lite vs Plan Max

“We have two plans. Plan Lite covers the three biggest killers: heart attack, cancer, and stroke. Plan Max covers 77 conditions — everything from rare nerve diseases to organ failure. Which matters depends on your risk profile. If you’re young and just want core protection, Lite is efficient. If you want peace of mind that nothing slips through, Max is the answer.”

“Kami punya dua plan. Plan Lite cover tiga pembunuh terbesar: serangan jantung, kanker, dan stroke. Plan Max cover 77 kondisi — dari penyakit saraf langka sampai gagal organ. Mana yang penting tergantung profil risiko Anda. Kalau Anda muda dan cuma ingin proteksi inti, Lite cukup efisien. Kalau Anda ingin peace of mind bahwa tidak ada yang terlewat, Max adalah jawabannya.”

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1. “Why Sharia insurance if conventional is cheaper?”

Customer “Kenapa asuransi syariah kalau konvensional lebih murah?”

Don't say “Sharia is better.” — this is a values pitch, not a benefit pitch.

Don't say “Syariah lebih baik.”

Do say “That depends on what you’re optimizing for. If the lowest rupiah amount is the only metric, conventional may be 5–10% cheaper today. But if your values matter — that your protection money doesn’t fund interest and speculation, that you’re part of a mutual pool that shares surplus — then you’re paying for alignment, not just cost. And many Sharia customers find that alignment worth more than the rupiah difference. The real question is: do your values matter to you in this decision.”

Do say “Itu tergantung apa yang Anda optimalkan. Kalau rupiah paling rendah adalah satu-satunya metrik, konvensional mungkin 5-10% lebih murah hari ini. Tapi kalau nilai Anda penting — bahwa uang proteksi Anda tidak danai bunga dan spekulasi, bahwa Anda bagian dari pool bersama yang share surplus — maka Anda bayar untuk alignment, bukan cuma biaya. Dan banyak nasabah syariah merasa alignment itu worth lebih dari beda rupiah. Pertanyaan asli adalah: apakah nilai Anda penting dalam keputusan ini.”

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2. “I don’t understand the Tabarru’ fund. Is it safe?”

Customer “Saya tidak mengerti Dana Tabarru’. Apakah aman?”

Don't say “It’s complicated, but trust us.” — kills confidence.

Don't say “Itu ribet, tapi percaya saja.”

Do say “Good question. Tabarru’ means your premiums are split: one part is your personal protection, the other is your contribution to a shared fund that pays all members’ claims. It’s like a credit union instead of a bank. Allianz manages it, but by Sharia law and OJK regulation, any surplus in that fund belongs to the members — it doesn’t go to Allianz’s profit. If there are losses, the regulator (OJK) can require the fund to strengthen, which might mean a small contribution increase. It’s transparent and regulated. The safety is built into the structure.”

Do say “Pertanyaan bagus. Tabarru’ artinya premi Anda split: satu bagian adalah proteksi pribadi, yang lain adalah kontribusi Anda ke dana bersama yang bayar klaim semua anggota. Seperti koperasi daripada bank. Allianz mengelolanya, tapi per hukum syariah dan regulasi OJK, surplus apapun di dana itu milik anggota — tidak ke profit Allianz. Kalau ada rugi, regulator (OJK) bisa minta dana memperkuat diri, yang mungkin berarti kontribusi naik sedikit. Itu transparan dan diatur. Keamanan dibangun ke dalam struktur.”

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3. “The booster at age 60 is too late; I’ll be near retirement.”

Customer “Booster umur 60 terlalu tua; saya hampir pensiun.”

Don't say “That’s when you need it most.” — confuses the issue.

Don't say “Justru saat Anda paling butuh.”

Do say “That’s a fair point. You’re right that 60 is close to retirement. The booster is designed to offset inflation — the money promise gets bigger so it’s still meaningful at retirement age and beyond. But I hear you: if you want a bigger jump earlier, Plan Max with an early booster clause or a second CI product might make sense. Or we layer a separate conventional Critical+ at age 45 to front-load your peak-year coverage. Let’s look at what fits your timeline.”

Do say “Itu poin fair. Benar bahwa 60 dekat pensiun. Booster dirancang offset inflasi — janji uang jadi lebih besar jadi masih meaningful saat pensiun dan seterusnya. Tapi saya dengar: kalau Anda ingin jump lebih besar lebih cepat, Plan Max dengan klausul early booster atau produk CI kedua mungkin masuk akal. Atau kita layer produk Critical+ konvensional terpisah umur 45 untuk front-load perlindungan peak-year Anda. Mari kita lihat apa yang cocok dengan timeline Anda.”

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4. “What happens if I get sick within 80 days of buying?”

Customer “Apa yang terjadi kalau saya sakit dalam 80 hari setelah beli?”

Don't say “You won’t be covered.” — sounds like a trap.

Don't say “Tidak akan cover.”

Do say “The 80-day waiting period is standard across the whole industry — it’s there to prevent people from buying insurance after they already feel symptoms. Here’s the important part: if you honestly don’t have any signs or symptoms of the covered conditions on the day you apply, you’re fine. The insurer will ask detailed health questions at underwriting. If everything checks out, you buy with confidence. The 80 days starts from the moment the policy is approved, not from today. And we’re transparent about this at the SPAJ stage.”

Do say “Masa tunggu 80 hari adalah standar di seluruh industri — ada untuk cegah orang beli asuransi setelah mereka sudah rasakan gejala. Bagian penting: kalau Anda jujur tidak ada tanda atau gejala dari kondisi yang cover pada hari Anda apply, Anda fine. Perusahaan akan tanya kesehatan detail saat underwriting. Kalau semuanya check out, Anda beli dengan confident. 80 hari dimulai dari momen polis di-approve, bukan dari hari ini. Dan kami transparan tentang ini saat SPAJ.”

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5. “Will the Hasanah Cash really be paid? Won’t the company find a reason to deny it?”

Customer “Apakah Hasanah Cash benar-benar dibayar? Apa perusahaan tidak cari alasan untuk tolak?”

Don't say “Of course we’ll pay it.” — sounds naive.

Don't say “Tentu kami bayar.”

Do say “That’s a reasonable worry. Hasanah Cash is contractual — it’s written into the Polis. If you live to the end of the term, never claim a major CI, you get the money. The rules are crystal clear. Allianz is regulated by OJK; if they denied a legitimate cash claim, it would be a massive scandal and regulatory violation. You have the Polis as proof. My advice: save your Polis documents, keep records of your premiums, and if you reach the end of the term, submit your claim. But yes, the risk is real that any insurance company might find a technicality to deny. That’s why transparency at SPAJ is critical — we document everything so there’s no ambiguity later.”

Do say “Itu kekhawatiran yang reasonable. Hasanah Cash itu kontraktual — tertulis dalam Polis. Kalau Anda hidup sampai akhir term, tidak pernah klaim major CI, Anda dapat uang. Aturannya jelas. Allianz diatur OJK; kalau mereka tolak klaim cash yang legitimate, itu skandal besar dan pelanggaran regulasi. Anda punya Polis sebagai bukti. Saran saya: simpan dokumen Polis, catat semua premi, dan kalau sampai akhir term, submit klaim. Tapi ya, risiko ada bahwa perusahaan asuransi apapun mungkin cari technicality untuk tolak. Itu kenapa transparansi di SPAJ penting — kami dokumentasi semua supaya tidak ada ambiguitas nanti.”

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1. Booster misquote. Do not quote “50% extra at age 60” without explaining: (a) it is optional and costs extra contribution; (b) it is one-time and lapses at age 61; © it applies to base + early CI together (not multiplicative). Customers expecting compound growth or age-75 timing (like LegacyPro) will complain. Walk through the booster mechanics explicitly at SPAJ and get written sign-off.

2. Hasanah Cash confusion as savings product. Customers may believe Hasanah Cash is a surrender value or savings account. It is not. It is a term-end refund that only pays if no major CI claim has occurred. Frame clearly: “This is not a savings vehicle. The money is earmarked for claims. If you stay healthy, you get the refund. If you don’t, it goes to the Tabarru’.” Document this conversation.

3. Early CI reset not explained. The ability to claim Early CI twice (max 2 separate conditions, 1-year apart) is a strength, but customers must understand it reduces the Advanced CI limit dollar-for-dollar. Showing only the big Advanced CI number without mentioning the Early CI offset = mis-selling. Always show the full mechanics and the net amount after any early claims.

4. Tabarru’ fund deficit risk downplayed. Customers believe “mutual fund” means zero company risk. If Tabarru’ losses occur, OJK can require policyholders to contribute more. This is in the fine print of the Polis, but must be mentioned in agent training. A customer who expects zero upside surprise is at lower complaint risk.

5. 80-day elimination period hidden. Do not soft-pedal the elimination period. “Cover starts immediately” is a violation. If a customer has a pre-existing condition that surfaces within 80 days, they will repudiate and complain. Ask the customer directly at application: “Have you experienced any symptoms or been diagnosed with heart disease, cancer, stroke, or other serious illness in the past 2 years?” Document the answer.

6. Payor rider scope misunderstood. The Payor Syariah rider waives premiums if the payor (premium payer) is CI’d or dies, BUT only through the end of the payment term, not the full insurance term. Agents sometimes mistakenly claim “payor dies, cover continues forever.” Clarify: payor waiver = payment window only; if that happens at year 3 of a 5-year payment term, the remaining 2 years of premium are waived, but if payment window is done, no waiver applies. Document this.

7. Plan Lite vs Plan Max misleading sales. Do not sell Plan Lite to a customer by implying it covers the same breadth as Plan Max. Plan Lite is 3 conditions (heart, cancer, stroke); Plan Max is 77. If the customer later has a coverage question on a non-listed condition (e.g., kidney failure), they feel lied to. Always explain the difference and have the customer choose explicitly.

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1. Build a one-page “Tabarru’ vs Conventional” comparison sheet in EN + ID for agent training. Many agents and customers conflate Sharia insurance with “discount insurance.” This sheet clarifies cost trade-offs, regulatory oversight, and why Sharia is premium-tier. Distribute to all agents before first Allisya CI pitch.

2. Create a “Plan Lite vs Plan Max” decision tree (visual or PDF). Agents are currently describing the plans verbally; a decision tree (e.g., “If entry age 30-40, suggest Max; if entry age 55+, suggest Lite due to age caps”) reduces mis-selling and speeds up pitch. Test it in the field.

3. Develop a Hasanah Cash illustration card showing the premium-refund mechanics at term end. Customers are excited about the refund feature but confused about the conditions (zero major CI claims required). A one-page visual (e.g., timeline: “Year 1-19: Protection active. Year 20: If no major CI, get back 100% of premiums. If major CI claimed in year 15, you don’t get refund”) clarifies the offer.

4. Payor rider scope clarification in SPAJ checklist. Add a line item: “Payor rider waives premium for [payment term] only, not full insurance term. Confirm customer understands.” Agents often mis-explain this; a checklist item prevents repudiation later.

5. Establish an Early CI claim reset notification process. The fact that Early CI can reset (up to 2 claims) is a strength, but it requires the customer to proactively re-apply and be diagnosed with a different condition. Create a reminder template (email or SMS) that goes out at years 5, 10, 15 (mid-term) reminding customers that if they’ve had an Early CI claim, they may be eligible for a second claim. This increases perceived value and reduces lapse risk.

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