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BCA Life Purna Medis Optima

BCA Life Purna Medis Optima

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About

BCA Life Purna Medis Optima is a health insurance product that offers life protection until the Insured turns 99 years old, with Hospital Care Benefit (reimbursement of daily hospitalization benefit, ICU daily benefit, and Surgical costs) effective when the Insured enters Retirement Age. This product is also equipped with Surrender Benefit during the Coverage Period and Maturity Benefit. This product is offered at affordable premiums and through telemarketing.


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Other Provisions

Terms and Conditions

Entry Age of the Insured:
Minimum 21 years old
Maximum of:

  1. 50 years old for retirement age of 55 years old
  2. 55 years old for retirement age of 60 years old

Payment: monthly or yearly auto-debit from a BCA savings account according to the premium paying term.
Coverage Period: until the Insured turns 99 years old


Table of Benefits

Table of Benefits (in thousands of Rupiah ‘000)

Types of Benefit Plan A Plan B Plan C Plan D Plan E
Sum Assured 120,000 240,000 360,000 480,000 600,000
  • Pre-Retirement Age Benefit
    1. Death Benefit Due to Illnesses
    2. Death Benefit Due to an Accident
100% Sum Assured

200% Sum Assured
2. Post-Retirement Age Benefit 1)
    a. Hospital Care Benefit
  1. Reimbursement of daily hospitalization benefit (max. of 120 days per year)
  2. Reimbursement of ICU Daily Benefit (max. of 30 days per year)
  3. Reimbursement for Surgical Costs (max. per disability)

250

500

3,000

500

1,000

6,000

750

1,500

9,000

1,000

2,000

12,000

1,500

2,000

15,000
Total Ceiling of Medical Care Benefit 2) 120,000 240,000 360,000 480,000 600,000
b. Death Benefit Due to Illnesses or Accidents 100% Sum Assured minus the Medical Care benefits paid
3. Life Benefit
  1. Maturity Benefit
  2. Surrender Benefit
100% Sum Insured minus the Medical Care benefits paid, Cash Value Benefit that is formed according to the Policy Data after deducting first the Medical Care benefits paid (if any)

Note:

  1. Retirement Age options to choose:
    1. 55 years old; or
    2. 60 years old
  2. Medical Care benefit paid will reduce the amount of Sum Insured

Fees

The amount of premium paid by the policyholder includes acquisition costs, telemarketing charges, policy maintenance, and commissions for the Bank.


Complaint

To make a complaint about the purchase of insurance product, the Policyholder may:

  • Contact BCA Life Customer Service via HALO BCA at 1500888;
  • Contact BCA Life Head Office at 021-21888000;
  • Visit BCA Life Office.

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You can get this product anytime and anywhere by online
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