Insurance Services

To accommodate its customer's needs, BCA provides competitive limits and fees for each product and service. View the limits and fees for each of BCA's product and service below.


Type of Fee Description
Acquisition Fee
  • First Year: 75% Annual Basic Contribution 
  • Second year etc: 0% Annual Basic Contribution
Top Up Fee 3% from Top-Up Contribution
Investment Management Fee Maximum 2.5% per year from investment portfolio
Insurance Fee Depends on age and insurance money (UP) as much as 0.23 – 8.24 per 1,000 UP per month
Administration Fee According to the regulations that apply
Maintenance Fee According to the regulations that apply
Redemption Fee Applied if a policy cancellation is done during the Free Look period.

To accommodate its customer's needs, BCA provides competitive limits and fees for each product and service. View the limits and fees for each of BCA's product and service below.


Type of Fee Description
Acquisition Fee First Year: 75% basic yearly contribution
Second year etc: 0% basic yearly contribution
Tabarru' Fee Depends on the age of the Customer and Insurance Money (UP) that ranges from 0.150 – 5.350 per 1,000 UP per month.
Top Up Fee 3% from Top-Up Contributions
Policy Maintenance Fee First Year Policy up to Seventh Year : 3.5% per year from the Basic Contribution Account Value.
Investment Management Fee Maximum 2.5% per year from investment portfolio.
Policy Administration Fee First to tenth year : Rp 27,500
Eleventh Year : Rp 15,000
Risk Administration Fee Depends on age and UP, which is in the amount of 0.080 – 2.890 per 1,000 UP per month.
Policy Cancellation Fee Will be applied if the Policy is cancelled during the first 7 years of the Policy.
Top Up Funds Withdrawal No fee
Tabarru' Fund Management No fee
Other fees Will be charged based on the transaction according to the regulations applied.

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