Safety Guard Critical Cover (STAR)

• Minor Critical Illness Diagnosis Benefit (58 Minor Critical Illness conditions)
  25% Sum Assured, with claims up to 2x for different Diagnoses during the coverage period.
• Major Critical Illness Diagnosis Benefit (77 Major Critical Illness conditions)
  100% after deducting any previously paid benefits (if any) and Policy terminates.
• Angioplasty Surgery Benefit
  25% Sum Assured with a maximum of IDR 250 million.
• Intensive Care Unit (ICU) Treatment Benefit
  50% Sum Assured with a maximum of IDR 250 million, if The Insured is hospitalized in ICU for a minimum of 7 calendar days due to covered Critical Illness, the Insurer will pay.
• Death Benefit
  100% Sum Assured after deducting any previously paid benefits (if any).
• No Claim Bonus Benefit
  100% of the total Premium that has been paid (excluding Extra Premium), at the end of each 10-year period.

Note: For detailed information, please refer to Policy.

Risk

1. Claim is rejected if the insured event is caused by matters excluded in the Policy.
2. Unilateral cancellation by the Insurer due to Premium not being paid or failure to receive the Premiums by the Insurer until the Grace Period ends.
3. Policy cancellation by the Insurer if any statements or informations provided by the Policyholder are found to be inaccurate, or if there is evidence of fraud.

Exclusions

The Insurer shall not pay Minor Critical Illness Diagnosis Benefit, Major Critical Illness Diagnosis Benefit, Angioplasty Surgery Benefit, and Intensive Care Unit (ICU) Treatment Benefit if the claims are caused by or related to:

1. Pre-Existing Conditions;
2. Mental and psychiatric disorders;
3. Conditions related to pregnancy, childbirth, miscarriage, abortion, including complications arising therefrom.

The Insurance shall not pay the Death Benefits if the claims are caused by or related to:

1. Pre-Existing Conditions;
2. Suicide or attempted suicide;
3. The Insurer’s involvement in actions that violate the law, negligence, and/or illegal activities, including insurance fraud committed by the parties with an interest in this insurance, whether actively or passively involved.

Note: For detailed information, please refer to Policy.

• Entry age of Policyholder: 21 – 65 years old (last birthday)
• Entry age of Insured: 1 – 65 years old (last birthday)
• The Policyholder and Insured are Indonesian Citizen (WNI).
• Insured has been accepted and approved for the coverage through a risk selection process carried out by BCA Life.

For detailed informations of Safety Guard Critical Cover (STAR) product, please refer to the brochure.

• BCA and BCA Life are licensed and supervised by Otoritas Jasa Keuangan (OJK) and Bank Indonesia.
• This insurance product belongs to PT Asuransi Jiwa BCA (BCA Life) and is not a product and responsibility of PT Bank Central Asia Tbk (BCA). BCA only acts as the party that refers the insurance product of BCA Life. This product is not guaranteed by BCA and is not included in the scope of the guarantee program as intended in the applicable laws regarding Indonesian deposit insurance institution.