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BCA Life Perlindungan Kritis Optima

BCA Life Perlindungan Kritis Optima

Important Information Terms and Conditions Fees Get the Service


BCA Life BCA Life Perlindungan Kritis Optima is a health insurance product with Critical Illness Diagnosis Benefits and Death Benefits as well as an additional No Claim Bonus benefits. BCA Life Perlindungan Kritis Optima offers a premium paying term of 8 (eight) years with a coverage period of 10 (ten) years. This product is offered at low-cost premiums through telemarketing channels.


  1. A standalone financial guarantee against critical illness diagnosis.
  2. Provides comfort and security, unburden your mind from medical bills for in-hospital treatment due to critical illness.
  3. Protection against the risk of death that can occur anytime, anywhere.

Key Benefits

  1. Death Benefit due to Illnesses or Accident.
  2. Total and Permanent Disability Benefit due to Illnesses or Accident.
  3. Return of Premium.


  1. Future Financial Protection for You and Family
    BCA Life Proteksi Jiwa Optima guarantees financial protection for you and family in the future.
  2. Affordable and Easy
    Low-cost premiums starting from Rp115,900 per month, which can be paid monthly or yearly, automatically debited from BCA Savings Account or BCA Credit Card.
  3. Attractive Premium Program: Pay 10 Years Get Additional 5 Years of Protection
    Simply pay premiums for 10 years and you will get coverage for 15 years from BCA Life.
  4. Cheaper Annual Payment
    2 (two) times monthly premium discount for annualized payment.
  5. Ease of Adding Spousal Coverage
    Spouse will get 5% premium discount.


  • This insurance product is an insurance product owned by PT Asuransi Jiwa BCA (“BCA Life”) and is not a product and responsibility of PT Bank Central Asia Tbk (“BCA”). BCA only acts as a party that offers BCA Life products. This product is not guaranteed by BCA and is not included in the scope of the guarantee program as intended in the laws and regulations regarding Lembaga Penjamin Simpanan. The customer agrees that all arising problems or disputes regarding the insurance product will be resolved by the customer with BCA Life as the owner of the insurance product without involving BCA.
  • BCA is not responsible for all information and materials contained in marketing or offering documents for this insurance product including any amendments thereto or other documents officially approved and/or issued by BCA Life.
  • The use of the BCA logo and/or other attributes in marketing documents (marketing kit) or offers (if any) is only intended to demonstrate the existence of insurance marketing cooperation between BCA and BCA Life.

Terms and Conditions

Entry Age:

Policyholder: 21 – 55 years old
Insured: 6 months – 55 years old
Entry Age based on age of last birthday.

Payment: monthly or yearly auto-debit from BCA Savings Account or BCA Credit Card for 8 years.

Coverage Period: 10 years since the Policy is inforce.

Benefit Table

Benefit Table (in thousands of Rupiah)

Types of Benefit Plan A Plan B Plan C Plan D
Sum Insured 200.000 300.000 400.000 500.000
  1. Critical Illness diagnosis Benefits:
    1. Early & Intermediate stages of Critical Illness diagnosis
    2. Terminal Stage of Critical Illness diagnosis
    3. Compensation




2. Death Benefits:
  1. Natural causes
  2. Accidental
3. No Claim Bonus benefit at the end of the 10th policy year 50% of the total paid premiums if the Policy is still in force and claim-free


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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