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.
BCA Life Purna Medis Optima provides daily benefits for inpatient and ICU in hospitals including reimbursement of surgical costs upon entering retirement age
The Insured will receive 100% of the Sum Insured if they are still alive at the end of the Coverage Period
The Insured can choose the retirement age of 55 years or 60 years
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
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|
100% of the Sum Insured
200% of the Sum Insured
2. Benefit upon entering Retirement Age1)
|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
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)
The amount of premium paid by the Policyholder includes acquisition, telemarketing, policy maintenance fees, and commission fee for the Bank.
Should the Policyholder wish to file any complaint about the purchase of an insurance product, the Policyholder can: