Technological developments always bring changes that make our daily activities easier, faster, and more practical. From shopping, banking transactions to healthcare services, everything can now be done online. The trend of digitalization has also reached the insurance industry, aiming to simplify the process of purchasing insurance and making claims.
In the past, purchasing insurance was a lengthy process that required a lot of documents. Now, with digital insurance, we can buy policies, manage various insurance needs, and even file claims straight from our smartphones.
In addition, digital insurance also has several other advantages over traditional insurance, including:
1. Ease of Access
We can access various insurance products anytime and anywhere through digital devices. This makes it easier to purchase or pay for insurance policies without having to visit an agent or insurance company branch. In addition, we can ensure that the premium charged matches our age, gender, sum insured or chosen insurance plan, as well as the selected payment method, such as credit card auto-debit.
2. No Need Medical Check-Up
Another advantage of digital insurance is that most providers do not require prospective customers to undergo a medical check-up during the application process. This is especially convenient for those of us with busy schedules and high mobility. However, we still need to answer a few health-related questions honestly to ensure a smooth claim process in the future.
3. Policy Management at Your Fingertips
Through online applications or platforms, we can easily monitor policy status, make updates, or modify policy details anytime and anywhere. Processes that previously required a physical visit to the insurance company's office can now be done with just a few clicks, making policy management more efficient and practical. In addition, we can access information about insurance products transparently, without having to wait for explanations from an agent.
4. More Practical Claims Process
When you want to file a digital insurance claim, you can submit it directly through the app, contact center, email, or website of the insurance provider. For example, for MyGuard products from BCA and BCA Life, you can submit a claim through Halo BCA or email: customer@bcalife.co.id. Simply fill out the digital claim submission form, complete the required documents, and send the softcopy and hardcopy to BCA Life. Ensure that the claim documents submitted are complete, and your claim will be processed within 10 working days*.
5. Product Personalization to Fit Your Needs
Digital insurance offers the advantage of personalizing products based on individual needs. We can choose the type of coverage that suits our preferences, from health to accident protection. Digital insurance also provides price flexibility, allowing us to adjust the coverage amount according to our budget. This makes insurance more affordable and accessible, offering greater financial comfort and security for everyone.
BCA, in collaboration with BCA Life, presents MyGuard, a digital insurance product with the following advantages:
- Life protection against illness, disease, or accident with coverage of up to IDR 1 Billion, without the need for a medical check-up
- Affordable premiumsstarting from just IDR14,000 per month
- Automatic renewal of the protection period without the need to re-register, as long as the Policyholder continues to pay the Premium
- Easy application process for BCA customers through the Protection feature in myBCA
*Claims are processed within 10 working days. If an investigation is required, the process may be extended by up to an additional 60 days.
Experience the convenience yourself and sign up for MyGuard insurance today!