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Household Guard

Household Guard

About

Household Guard is a family protection plan marketed to BCA customers based on a collaboration between PT Chubb General Insurance Indonesia (Chubb) and PT Bank Central Asia Tbk (BCA). This product offers personal accident benefit in the form of total permanent disablement or accidental death benefit, monthly living supplies for 12 months, and monthly living expenses. This product is marketed through telemarketing.


Advantages

  1. Affordable monthly premium of Rp48,000
  2. Fixed premium and no grouping by age
  3. Offers personal accident benefit up to Rp200,000,000 as follows*:
    • Accidental total permanent disablement or accidental death
    • Compensation up to Rp4,000,000 per month for a maximum of 12 months for living supplies, such as clothing and food
    • Compensation up to Rp4,000,000 per month for a maximum of 12 months for living expenses, such as electricity bills and credit card bills for accidents
  4. Covering the Insured 24 hours a day anywhere around the world

Benefits

  1. Accidental Death Benefit
    means death occurring:
    • as a result of accidental injury; and
    • within a period of one hundred and eighty (180) days of the accident causing the injury and includes disappearance and exposure.
  2. Total Permanent Disablement Benefit
    Means disablement occurring:
    • as a result of accidental injury; and
    • within a period of one hundred and eighty (180) days of the accident causing the injury, and which, having lasted for a continuous and interrupted period of at least three hundred and sixty-five (365) days, will, in all probability, entirely prevent a person from engaging in gainful employment of any and every kind for the remainder of that person’s life.

    The Insurer will only pay the Insured the Accidental Permanent Disability Benefit according to the specified percentage limit.

List of Benefits

Percentage Limit

Total Permanent Disability 100%
Total Loss of Two (2) Limbs 100%
Total Loss of Sight in Both Eyes 100%
Total Loss of One (1) Limb and Sight of One (1) Eye 100%
Total Loss of Speech and Hearing 100%
Total Loss of One (1) Limb or Sight of One (1) Eye 50%
Total Loss of Speech 50%
Total Loss of Hearing 50%
  1. Monthly Living Supplies Benefit
    In the event of accidental death or total permanent disablement, the Insurer will pay Monthly Living Supplies Benefit to the Insured or the beneficiary for twelve (12) months, specified in the Insured’s Policy Schedule applicable at the time of the accident causing the injury or permanent disablement.
  2. Monthly Living Expenses Benefit
    In the event of accidental death or total permanent disablement, the Insurer will pay Monthly Living Expenses Benefit to the Insured or the beneficiary for twelve (12) months, specified in the Insured’s Policy Schedule applicable at the time of the accident causing the injury or permanent disablement.

Terms and Conditions

  1. Entry age: 18-65 years old and can be extended up to age 70 years
  2. BCA customers with Credit Card BCA auto-debit payment
Table of Monthly Premium

Premi Bulanan

Plan A (Rp)

Plan B (Rp)

Plan C (Rp)

Plan D (Rp)

Main Insured

16,000 

28,000 

36,000 

48,000 

Spouse

16,000 

28,000 

36,000 

48,000 

Table of Benefits

No.

Benefit

Plan A (Rp)

Plan B (Rp)

Plan C (Rp)

Plan D (Rp)

1

Accidental death

75,000,000 

125,000,000 

150,000,000 

200,000,000 

2

Accidental Total Permanent disablement

75,000,000 

125,000,000 

150,000,000 

200,000,000 

3

Monthly living supplies for 12 months due to accidental death or total permanent disablement

1,000,000 

2,000,000 

3,000,000 

4,000,000 

4

Monthly living expenses for 12 months due to accidental death or total permanent disablement

1.000.000 

2.000.000 

3.000.000 

4.000.000 

Disclaimer :

  1. Insurance companies may reject your application if it does not meet the applicable requirements and regulations.
  2. Please read the Summary of Product and Service Information carefully and you have the right to ask the Insurance Company employees questions related to this Product Summary.

OJK Disclaimer :

  • Household Guard is an Insurance Product marketed specifically based on the collaboration between PT Chubb General Insurance (Chubb) and PT Bank Central Asia (BCA)
  • The Insurance Product is not a product and responsibility of the Bank, thus is not included in the guarantee program, and the Bank shall not be responsible for any information issued by Chubb
  • PT Chubb General Insurance and PT Bank Central Asia Tbk are registered with and overseen by the OJK

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