About

Education Guard is a child’s future protection program marketed to BCA customers based on a collaboration between PT Chubb General Insurance Indonesia (Chubb) and PT Bank Central Asia Tbk (BCA). This product offers personal accident benefits in the form of total permanent disability benefits or accidental death benefits, monthly tuition benefits for 18 months, and school transport expenses benefits for 18 months. This product is marketed through telemarketing.


Advantages

  1. Affordable monthly premium of Rp55,000
  2. Fixed Premium and no grouping by age
  3. Offers personal accident benefit up to Rp300,000,000 as follows:
    • Accidental total permanent disability or accidental death 
    • Tuition benefits for a maximum of 18 months
    • School transport expenses benefits for a maximum of 18 months
  4. Covering the Insured 24 hours a day anywhere around the world

Benefits

  1. Accidental Death Benefit
    means death occurring:
    • as a result of Accidental Injury; and
    • within a period of one hundred and eighty (180) days of the accident causing the injury and includes Disappearance and Exposure.
  2. Accidental Total Permanent Disability Benefit
    means disablement occurring:
    • as a result of an Accidental Injury; and
    • within a period of one hundred and eighty (180) days of the accident causing the injury, and which, having lasted for a continuous and interrupted period of at least three hundred and sixty-five (365) days, will, in all probability, entirely prevent a person from engaging in gainful employment of any and every kind for the remainder of that person’s life.

    The Insurer will only pay the Insured the Accidental Permanent Disability Benefit according to the specified percentage limit.

List of Benefits Percentage Limit
Total Permanent Disability 100%
Total Loss of Two (2) Limbs 100%
Total Loss of Sight in Both Eyes 100%
Total Loss of One (1) Limb and Sight of One (1) Eye 100%
Total Loss of Speech and Hearing 100%
Total Loss of One (1) Limb or Sight of One (1) Eye 50%
Total Loss of Speech 50%
Total Loss of Hearing 50%
  1. Monthly Living Supplies Benefit
    In the event of accidental death or total permanent disablement, the Insurer will pay Monthly Living Supplies Benefit to the Insured or the beneficiary for twelve (12) months, specified in the Insured’s Policy Schedule applicable at the time of the accident causing the injury or permanent disablement.
  2. Monthly Living Expenses Benefit
    In the event of accidental death or total permanent disablement, the Insurer will pay Monthly Living Expenses Benefit to the Insured or the beneficiary for twelve (12) months, specified in the Insured’s Policy Schedule applicable at the time of the accident causing the injury or permanent disablement.

Terms and Conditions

  1. Entry Age: 18-65 years old and can be extended up to age 70
  2. BCA customers with BCA Credit Cards auto-debit payments
Table of Monthly Premium
Monthly Premium Plan A (Rp) Plan B (Rp) Plan C (Rp) Plan D (Rp)
The Main Insured 18.000 32.000 42.000 55.000
Spouse 18.000 32.000 42.000 55.000
Table of Benefits
No. Benefits Plan A (Rp) Plan B (Rp) Plan C (Rp) Plan D (Rp)
1 Accidental death benefit 75.000.000 125.000.000 150.000.000 200.000.000
2 Accidental total permanent disability benefit 75.000.000 125.000.000 150.000.000 200.000.000
3 Monthly living supplies benefit for 12 months due to accidental death or total permanent disablement 1.000.000 2.000.000 3.000.000 4.000.000
4 Monthly living expenses benefit for 12 months due to accidental death or total permanent disablement 1.000.000 2.000.000 3.000.000 4.000.000

Disclaimer (important):

  1. Insurance companies may reject your application if it does not meet the applicable requirements and regulations.
  2. Please read the Summary of Product and Service Information carefully. You have the right to ask the Insurance Company employees questions related to this Product Summary

OJK Disclaimer:

  • Education Guard is an Insurance Product marketed specifically based on the collaboration between PT Chubb General Insurance (Chubb) and PT Bank Central Asia (BCA)
  • The Insurance Product is not a product and responsibility of the Bank, thus is not included in the guarantee program, and the Bank shall not be responsible for any information issued by Chubb
  • PT Chubb General Insurance and PT Bank Central Asia Tbk are registered with and overseen by the OJK