Product Description

Hospital 100% Refundable is an exclusive health protection program for BCA customers by BCA Life which provides reimbursement of daily cost for Inpatient Room, as well as reimbursement of daily cost for Intensive Care Unit Room in hospitals due to sickness or accident.

Hospital 100% Refundable also provides other benefits of Premium Refund of up to 200% for Death Benefit and an additional Benefit, namely 100% refund of premiums that have been paid over a period of 10 years and provided that the Policy is still inforce, whether or not any Inpatient claim is filed. Hospital 100% Refundable provides comfort and assurance in protecting your health. This product is marketed through telemarketing channel.


Advantages

  1. Competitive premium
  2. As a financial guarantee in case risk occurs (complementary protection)
  3. Providing a sense of comfort and security, relieving stress over daily cost of Inpatient Room and reimbursement of daily cost of Intensive Care Unit Room in the hospital due to sickness or accident
  4. Protecting against the risk of death that could happen anytime and anywhere.

Main Benefits

  1. Benefit for Reimbursement of Daily Cost of Inpatient Room and Intensive Care Unit Room due to Sickness or Accident
  2. Death Benefit due to Sickness or Accident
  3. Premium Refund Benefit

Features

  1. Future Family Protection - Hospital 100% Refundable provides protection for the future of your family.
  2. Affordable premiums starting from IDR109,000 per month, and flexible payment - can be paid monthly or annually using auto-debit system from BCA Credit Card.
  3. Attractive Premium Program - You only need to pay the premium for 8 years and be entitled to Hospitalization Benefits including Inpatient in the Intensive Care Unit for 8 years and Death Benefit for 10 years from BCA Life.
  4. Premium Refund Benefit - 100% refund of premiums that have been paid over a period of 10 years and provided that the Policy is still inforce, whether or not any Inpatient claim is filed.

Terms & Conditions

Entry Age: 21 - 59 years

Payment: Monthly or annual auto debit from BCA Credit Card for 8 years

Coverage Period: Hospitalization Benefits including Inpatient in Intensive Care Unit for 8 years and Death Benefit for 10 years from policy validity

Entry Age: 21 - 59 years

Payment: Monthly or annual auto debit from BCA Credit Card for 8 years

Coverage Period: Hospitalization Benefits including Inpatient in Intensive Care Unit for 8 years and Death Benefit for 10 years from policy validity

Table of Premium Amounts by Plan and Benefit

Table of Premiums (in Rupiah) Table of Plans and Premiums for Male

Name of Plan Plan A Plan B Plan C Plan D Plan E
Entry Age of the Insured Premium
6 months - 16 years 109,000 164,000 218,000 273,000 328,000
17 - 23 years 119,000 178,000 238,000 297,000 356,000
24 - 39 years 148,000 221,000 295,000 369,000 443,000
40 - 44 years 160,000 241,000 321,000 401,000 481,000
45 - 49 years 193,000 289,000 385,000 481,000 578,000
50 - 54 years 219,000 328,000 438,000 547,000 657,000
55 - 59 years 271,000 406,000 542,000 677,000 813,000

Table of Plans and Premiums for Female

Name of Plan Plan A Plan B Plan C Plan D Plan E
Entry Age of the Insured Premium
6 months - 16 years 103,000 155,000 206,000 258,000 310,000
17 - 23 years 122,000 183,000 245,000 305,000 366,000
24 - 39 years 173,000 258,000 345,000 432,000 518,000
40 - 44 years 187,000 282,000 375,000 469,000 563,000
45 - 49 years 203,000 305,000 406,000 507,000 609,000
50 - 54 years 233,000 349,000 466,000 582,000 699,000
55 - 59 years 293,000 439,000 586,000 732,000 879,000

Table of Benefits (in Rupiah)

Jenis Manfaat Plan A Plan B Plan C Plan D Plan E
Reimbursement of daily cost for Inpatient Hospital Room in the amount of compensation per Day 200.000 300.000 400.000 500.000 600.000
Reimbursement of daily cost for Intensive Care Unit Room in the amount of compensation per Day (maximum of 30 Days per year)
400,000

600,000

800,000

1,000,000

1,200,000
Death Benefit due to Accident 200% refund of Premiums that have been paid since the Insurance Start Date
Death Benefit due to Non-Accident 100% refund of Premiums that have been paid since the Insurance Start Date
Premium Refund Benefit at the end of the 10th (tenth) year (if the Policy is still inforce, whether or not any Inpatient Claim is filed)
100% refund of Premiums that have been paid since the Insurance Start Date

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.