Heritage Platinum Protection (Heritage+)

• Death Benefit
  1. Death Benefit Due to Any Cause

  A Death Benefit will be paid based on the Policy Year as shown in the table below:

  Policy Year	Percentage of SA
  1 – 5	100%
  6 – 10	125%
  11 – 15	150%
  16 – 20	175%
  21 onwards	200%

  Note: The percentage of SA determined based on the Policy Year at the time of the Insured’s death.

  The Death Benefit will be reduced by Living Benefit (for Secure Plan) and/or Terminal Illness benefit that has been paid, then the Policy terminates.

  If a Living Benefit has been paid, the calculation of the increased SA will be adjusted to 10% of the SA for every 5 Policy Years, up to a maximum of 200% SA.

  2. Additional Death Benefit Due to Accident

  An additional benefit of 100% SA will be paid if the Insured passes away due to an accident.

  If the Insured passes away due to an accident before reaching the age of 5, the benefit will be paid according to the table below, then the Policy terminates.

  Insured’s Age at Death (years)	Percentage of SA
  6 months – <1	10%
  ≥ 1 – < 2	20%
  ≥ 2 – < 3	40%
  ≥ 3 – < 4	60%
  ≥ 4 – < 5	80%

  The Additional Accidental Death Benefit is valid until the Insured reaches the age of 80 at Policy anniversary.

• Terminal Illness Benefit

A benefit of 20% SA or up to a maximum equivalent of IDR 3 billion per Insured, applies to all Policies and all currencies issued by the Insurer. Payment of the Terminal Illness Benefit will reduce the Death Benefit and the Maturity Benefit.

• Living Benefit (for Secure Plan)

A benefit of 50% of the total Premiums paid, excluding Extra Premium and Rider Premium (if any), at the Policy Anniversary when the Insured reaches the age of 60 or on the 15^th Policy Year, whichever occurs first.

The Living Benefit will reduce Death Benefit and Maturity Benefit.

Note: The terms and conditions of this benefit follow the provisions stated in the Policy.

• Medical Check-Up Benefit

A benefit up to 10% of the annual Premium, with a maximum equivalent of IDR 2 million or USD 125, provided as reimbursement for medical check-up expenses. This benefit can be used once during the Coverage Period, after premium has been paid through the 3^rd Policy Year.

It Covers only medical check-up expenses. Excludes transportation, accomodation, or other non-medical costs. Claim for this benefit are payable on a reimbursement basis only.

• Maturity Benefit

A benefit up to 200% SA. The Maturity Benefit will be reduced by Living Benefit (for Secure Plan) and/or Terminal Illness Benefit that has been paid, then the Policy terminates.

1. Claims will be rejected if the Insured Event arises from conditions excluded under the Policy.
2. The Policy may be terminated unilaterally by the Insurer if the Premiums are not paid or not received by the end of the Grace Period.
3. In the event that any data, information, answers, statements, conditions, declarations, or facts provided (“Consumer Information”) in the Insurance Application Form (SPAJ), and/or any other required forms, or supporting documents submitted to the Insurer are found to be incomplete, incorrect, inaccurate, outdated, not in accordance with the actual facts and/or inconsistent, or contain elements of fraud, or forgery, or intentional misrepresentation, or concealment of Consumer Information, the Insurer reserves the right to reject any claim submitted, cancel or terminate the Policy, reassess the underwriting risk (re-underwriting), and recover any outstanding Premiums and/or insurance charges.

Exclusions

The Insurer reserves the right to deny claims for Death Benefits if the death is caused by or related to suicide, the Insured’s involvement in unlawful acts, including insurance-related crimes committed by any party with an interest in this insurance policy.

Additional exclusions for Death Benefits Due to Accident are if the death is caused by or related to the use of narcotics or similar substances, or participation in hazardous activities or extreme sports.

Further information is specified in the Policy.

Entry Age

• Policyholder : Minimum 21 years
• Insured : 6 months – 70 years

For detailed informations of the product, please refer to the brochure.

• BCA and BCA Life are licensed and supervised by Otoritas Jasa Keuangan (OJK).
• This insurance product belongs to PT Asuransi Jiwa BCA (BCA Life) and is not the product and responsibility of PT Bank Central Asia Tbk (BCA). BCA only acts as the party that refers to 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.

The Free Look Period is 14 business days from the date the Policy is received by the Policyholder. If the Policyholder cancels the Policy within this period, they are entitled to a refund of the Premium, deducted by policy issuance fees and medical examination fees (if any).

Yes, Living Benefit will be automatically paid by the Insurer to the Policyholder’s registered account.

The Terminal Illness Benefit does not require any additional fee. This benefit included as part of benefit of the Heritage Platinum Protection product.