By visiting this site , you have agreed the using of cookies .
Benefits Illustration
Mr Kevin (35 years old)
Basic Insurance Premium
IDR100 Million/year
Additional Insurance Premium
IDR200 Million/year
Mayar Bayar Premi
Guaranteed Annual Benefit Payment Period 54 years
Premium Payment Period
Rp520 Juta
Scenario 1 – Mr. Kevin survives until the Policy Maturity Date
| Insured’s Age | Insurance Benefit | Benefit Details | Benefit Payable |
| 40 – 54 years | Annual Cash Benefit | Paid annually from the end of 6th Policy Year until the end of 20th Policy Year: 20% x IDR100.000.000 x 15 | IDR300.000.000 |
| 54 years | Maturity Benefit | Paid at the end of 20th Policy Year: 520% x IDR100.000.000 | IDR520.000.000 |
| Total Insurance Benefit paid by BCA Life | IDR820.000.000 | ||
Scenario 2 – Mr. Kevin dies at the end of 5th Policy Year (no Annual Cash Benefit has been paid yet)
| Insured’s Age | Insurance Benefit | Benefit Details | Benefit Payable |
| 39 years | Death Benefit | Percentage of the total Premiums paid: 115% x IDR500.000.000 | IDR575.000.000 |
| Total Insurance Benefit paid by BCA Life | IDR575.000.000 | ||
Scenario 3 – Mr. Kevin dies at the end of 8th Policy Year (some Annual Cash Benefit have already been paid)
| Insured’s Age | Insurance Benefit | Benefit Details | Benefit Payable |
| 40 – 41 years | Annual Cash Benefit | Paid annually from the end of 6th Policy Year until the end of 7th Policy Year: 20% x IDR100.000.000 x 2 | IDR40.000.000 |
| 42 years | Death Benefit | Percentage of the total Premiums paid – Annual Cash Benefit that has been paid: (125% x IDR500.000.000) – IDR40.000.000 | IDR585.000.000 |
| Total Insurance Benefit paid by BCA Life | IDR625.000.000 | ||
Scenario 4 – Mr. Kevin suffers Total Permanent Disability at the end of 3rd Policy Year
| Insured’s Age | Insurance Benefit | Benefit Details | Premium Waived |
| 37 years | Asuransi Tambahan Waiver of Premium Plus Benefit | Basic Insurance Premium waived from the 4th Policy Year until the 5th Policy Year: IDR100.000.000 x 2 | IDR200.000.000 |
Nasabah mengambil Plan Core (tanpa Manfaat Tunai Tahunan) disertai Asuransi Tambahan Payor Benefit Plus dan Asuransi Tambahan Term Life
Premi Asuransi Dasar: Rp100.000.000/ tahun
Premi Asuransi Tambahan Payor Benefit Plus: Rp567.700/tahun
Premi Asuransi Tambahan Term Life: Rp7.125.000/tahun
Uang Pertanggungan: Rp500.000.000
Scenario 1 – Mr. Kevin survives until the Policy Maturity Date
| Insured’s Age | Insurance Benefit | Benefit Details | Benefit Payable |
| 54 years | Maturity Benefit | 940% x Rp100.000.000 | Rp940.000.000 |
| Total Insurance Benefit paid by BCA Life | Rp940.000.000 | ||
Scenario 2 – Mr. Kevin dies at the end of 8th Policy Year
| Insured’s Age | Insurance Benefit | Benefit Details | Benefit Payable | |
| 42 years | Death Benefit | Percentage of the total Premiums paid: 125% x Rp500.000.000 | Rp625.000.000 | |
| Asuransi Tambahan Term Life Benefit | 100% Sum Assured | Rp500.000.000 | ||
| Total Insurance Benefit paid by BCA Life | Rp1.125.000.000 | |||
Scenario 3 – Mrs. Christy suffers Total Permanent Disability at the end of 3rd Policy Year
| Insured’s Age | Insurance Benefit | Benefit Details | Premium Waived |
| 37 years | Asuransi Tambahan Payor Benefit Plus Benefit | Basic Insurance Premium and Asuransi Tambahan Term Life Premium waived from the 4th Policy Year until the 5th Policy Year: (Rp100.000.000 + Rp7.125.000) x 2 | Rp214.250.000 |
