Product Description

b-SAVE Accident Protection is a Personal Accident Insurance product mainly providing Death Benefit due to Accident and Reimbursement of Medical Care Expenses due to Accident which features a 100% premium refund of the premium paid, whether or not any claim is filed for reimbursement of medical care due to an accident. With an affordable premium and flexible payment, b-SAVE Accident Protection offers Death Benefit of up to IDR1 billion. This product is marketed through telemarketing channel.


Advantages

  1. The premium paid is not an expense, but as a deposit or savings or benefit if later needed for hospital expenses or other needs.
  2. Competitive premium
  3. As a financial guarantee in case risk occurs (complementary protection)
  4. Providing a sense of comfort and security, relieving stress over the cost of medical care in the hospital due to accident
  5. Protecting against the risk of death that can happen anytime and anywhere

Main Benefits

  1. Death Benefit due to Accident
  2. Death Benefit due to Non-Accident
  3. Reimbursement for Medical Care Expenses due to Accident
  4. Premium Refund Benefit

Features

  1. Protection for the Future of Family
    b-SAVE Accident Protection provides protection for the future of your family
  2. Affordable premium and flexible payment
    Affordable premium starting from IDR188,500 per month, can be paid monthly or annually using auto-debit system from BCA savings account.
  3. Attractive Premium Program: Pay 8 Years, free extra 2 Years of Protection
    You only need to pay the premium for 8 years and be entitled to 10 years of protection by BCA Life.
  4. Premium Refund
    All premiums paid will be refunded at the end of the 10th year, whether or not any claim is filed for Reimbursement of Medical Care Expenses due to Accident.

Terms & Conditions

Entry Age: 16 – 59 years
Payment: Monthly or annual auto-debit from BCA Savings account for 8 years
Coverage Period: For 10 years from policy validity


Table of Premium Amounts by Plan and Benefit

Table of Premium Amounts by Plan and Benefit

Plan Plan A Plan B Plan C Plan D Plan E Plan F
Entry Age of the Insured Premium
16 – 24 years 188,500 246,000 327,500 410,000 573,500 819,500
25 – 34 years 189,000 247,000 329,000 411,500 576,000 823,000
35 – 44 years 190,000 248,000 330,000 413,000 578,000 826,000
45 – 54 years 192,500 251,000 334,000 418,000 585,000 836,000
55 – 59 years 196,000 256,000 340,500 426,500 596,500 852,500

Table of Benefits (in Rupiah)

Plan Plan A Plan B Plan C Plan D Plan E Plan F
Type of Benefit
Death Benefit due to Accident 200,000,000 300,000,000 400,000,000 500,000,000 700,000,000 1,000,000,000
Death Benefit due to Non-Accident 100% Refund of the Premium paid
Reimbursement of Medical Care Expenses due to Accident, based on actual cost with maximum per year 2,000,000 3,000,000 4,000,000 5,000,000 7,000,000 10,000,000
Premium Refund benefit at the end of 100% Refund of the Premium paid

Fees

The amount of premium paid by the Policyholder includes acquisition, telemarketing, policy maintenance fees, and commission fee for the Bank.


Complaints

Should the Policyholder wish to file any complaint about the purchase of an insurance product, the Policyholder can:

  1. Contact BCA Life Customer Service via HALO BCA at telephone number 1500888,
  2. Contact BCA Life Head Office at telephone number +6221-21888000 or
  3. Visit BCA Life Office.