Product Description

BCA Life Purna Medis Optima is a health insurance product that provides life protection up to the Insured’s age of 99 years with the benefits of Hospital Medical Care (daily inpatient compensation, Intensive Care Unit (ICU) daily compensation, and Surgical costs) starting from when the Insured enters Retirement Age. This product also comes with a Policy Redemption benefit (Surrender) during the Coverage Period and a benefit at the end of the Coverage Period (Maturity). This product is offered via telemarketing channel with an affordable premium and flexible payment.


Advantages

  1. As a financial guarantee when approaching and entering retirement
  2. Protecting against the risk of death that can happen anytime and anywhere
  3. As an option in financial planning

Main Benefits

  1. Benefit after Retirement Age which includes Medical Care Benefit in Hospital and Death Benefit due to Sickness/Illness or Accident
  2. Benefit before Retirement Age which includes Death Benefit due to Sickness/Illness or Accident
  3. Life Benefit which includes end of Coverage Benefit and Policy Redemption Benefit

Features

  1. Health Protection during Retirement
  2. BCA Life Purna Medis Optima provides daily benefits for inpatient and ICU in hospitals including reimbursement of surgical costs upon entering retirement age

  3. Coverage during Senior Age
  4. The Insured will receive 100% of the Sum Insured if they are still alive at the end of the Coverage Period

  5. Retirement Age Option
  6. The Insured can choose the retirement age of 55 years or 60 years

  7. Affordable Premium and Flexible Payment
  8. Affordable premium, starting from IDR 158,160 per month, can be paid monthly or annually by auto-debit from a BCA savings account or BCA Credit Card.


Terms & Conditions

Entry Age of the Insured:
Minimum 21 years
Maximum:

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

Payment: Monthly or annual auto-debit from BCA Savings account according to the premium payment period.
Coverage Period: Until the Insured reaches 99 years of age


Table of Benefits

Table of Benefits (in Thousand ['000] Rupiah)

Jenis Manfaat Plan A Plan B Plan C Plan D Plan E
Type of Benefit 120.000 240.000 360.000 480.000 600.000
  • Benefit before Retirement Age
    1. Death Benefit due to Sickness /Illness
    2. Death Benefit due to Accident
100% of the Sum Insured

200% of the Sum Insured
2. Benefit upon entering Retirement Age1)
    a. Benefit of Medical Care in Hospital
  1. Reimbursement for Daily Inpatient Compensation in Hospital (max. 120 days per year)
  2. Reimbursement for Daily Compensation in Intensive Care Unit (ICU) (max. 30 days per year)
  3. Reimbursement for Surgical Cost (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 Limit of Medical Care Benefits2) 120.000 240.000 360.000 480.000 600.000
b. Death Benefit due to Sickness/Illness or Accident 100% of the Sum Insured less Medical Care benefits already paid
3. Life Benefit
  1. Benefit at the end of Coverage Period (Maturity)
  2. Policy Redemption (Surrender) Benefit
100% of the Sum Insured less Medical Care benefits paid
Benefit is in the amount of Cash Value accrued according to Policy Data after first deducted with Medical Care benefits paid (if any)

Notes:

  1. Options of retirement age available:
    1. 55 years; or
    2. 60 years.
  2. Medical care benefits paid will reduce the amount of Sum Insured.

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.