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BCA Life B-Save Accident Protection

BCA Life B Save Accident Protection

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b-SAVE Accident Protection is a personal accident insurance product with key benefits of Accidental Death Benefit and Reimbursement for Medical Expenses due to an accident, with a return of premium of 100% of premiums paid whether claims for reimbursement of medical expenses due to an accident are raised or not. With the affordable premium that is easily accessible, b-SAVE Accident Protection offers Death Benefits up to Rp1 billion. This product is offered through telemarketing.


  1. The Premiums paid are not financial outlay, but savings or benefits to be used in the future for hospital costs or other needs.
  2. Competitive Premium
  3. As a financial guarantee against risks (complementary protection)
  4. Providing comfort and security, unburdening your mind from medical bills for hospital treatment due to an accident
  5. Protection against the risk of death that can occur anytime, anywhere

Key Benefits

  1. Accidental Death Benefit 
  2. Non-Accidental Death Benefit
  3. Reimbursement of Medical Expenses Due to an Accident 
  4. Return of Premium Benefit


  1. Family Future Protection
    b-SAVE Accident Protection provides protection for your family’s future.
  2. Easy and Affordable
    Low-cost premiums starting from Rp188,500 per month, which can be paid monthly or yearly, automatically debited from a BCA savings account. 
  3. Attractive Premium Program: Pay 8 Years, Get Free 2 Years Protection
    simply pay the premiums for 8 years, and get 10 years protection from BCA Life.
  4. Return of Premium
    All premium paid will be returned at the end of the 10th policy year whether claims for reimbursement of medical expenses due to an accident are raised or not.

Terms and Conditions

Entry Age: 16 – 59 years old
Payment: monthly or yearly auto-debit from a BCA savings account for 8 years
Coverage Period: 10 years after the policy is in force

Premium Plans and its Benefits

Table of Premiums (in Rupiah)

Plan Plan A Plan B Plan C Plan D Plan E Plan F
Entry Age of the Insured Premium
16-24 years old 188,500 246,000 327,500 410,000 573,500 819,500
25 – 34 years old 189,000 247,000 329,000 411,500 576,000 823,000
35 – 44 years old 190,000 248,000 330,000 413,000 578,000 826,000
45 – 54 years old 192,500 251,000 334,000 418,000 585,000 836,000
55 – 59 years old 196,000 256,000 340,500 426,500 596,500 852,500

Table of Benefits (in Rupiah)

Plan Plan A Plan B Plan C Plan D Plan E Plan F
Types of Benefits
Accidental Death Benefit 200,000,000 300,000,000 400,000,000 500,000,000 700,000,000 1,000,000,000
Non-Accidental Death 100% refund of paid premium
Reimbursement of Medical Expenses due to an accident according to the actual and maximum costs per year 2,000,000 3,000,000 4,000,000 5,000,000 7,000,000 10,000,000
Return of Premium benefit at the end of the 10th (tenth) policy year (if the Policy is still in force, whether claims for reimbursement of medical expenses due to an accident is raised or not) 100% refund of paid premium


The data or information listed on this page is presented and/or calculated based on data provided by the insurance company partner to PT Bank Central Asia Tbk (BCA). Such data or information is for general informational purposes only and does not constitute recommendation in any form and for any purpose and it is not intended as an offer or solicitation for the purchase or sale of any product.

The product listed on this page is an insurance product issued by the insurance company partner in collaboration with PT Bank Central Asia Tbk (BCA) and is NOT a product or responsibility of BCA. BCA only acts as the party that provides references or markets the insurance products issued by the insurance company partner. This insurance product and the investment it contains (if any) is NOT part of a third-party deposit at BCA, and it is not guaranteed by BCA and DOES NOT FALL within the scope of the deposit guarantee program as referred to in the statutory provisions concerning deposit insurance corporations. The use of the BCA logo and/or other attributes in the brochures or other marketing documents (if any) are based on BCA’s agreement and as a form of marketing collaboration between BCA and the insurance company partner.

Investments in insurance products contain risks that allow (prospective) Policyholder and/or the Insured(s) to lose part or all their invested capital. (Prospective) Policyholder and/or the Insured(s) are required to read and understand the characteristic of insurance products including, among others, features, benefits, risks, membership requirements, claim procedures, fees, and investment in insurance products (if any) before purchasing an insurance product. Every choice of insurance products and investments shall be the sole responsibility and decision of (prospective) Policyholder and/or the Insured. The performance of the insurance and investment products in the past is not a guarantee of future performance.

BCA shall not be responsible for the truth, accuracy, or completeness of data or information, materials, and the results of calculating the investment performance of this insurance product, including errors in data and information contained on this page and any amendments or other documents officially approved and/or issued by BCA insurance company partner.

BCA and the insurance company partner are registered with and overseen by the OJK.


The amount of premium paid by the Policy holder includes acquisition cost, telemarketing charges, Policy maintenance, and commissions for the Bank.

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