In this digital era, social media often displays glamorous lifestyles. Consequently, many young Indonesians unconsciously compete to show their social status. The "fear of missing out" (FOMO) trend, the culture of "healing" and "self-reward," and other impulsive habits such as buying artisan coffee, latest fashion trends, and digital entertainment subscriptions have added their spending patterns.
Research by the Katadata Insight Center and Tokopedia reveals that 60% of spending by young people aged 20–35 goes toward three consumer categories: dining out (28%), fashion and lifestyle products (18%), and digital subscriptions or online entertainment (14%). Ironically, although the financial literacy index for the 18-35 age group is quite high (above 73%), their financial health score is low, standing at only 40.60. [talentap.id] [finance.detik.com]
Based on survey data released by the OJK in 2025, shows that 60% of Gen Z and 50% of millennials spend more than they earn. Many are trapped in a cycle of consumer debt through "paylater" services and lifestyle loans. [money.kompas.com]
However, behind these challenges lies a great opportunity for young generations who want to enjoy their lifestyle and stay financially healthy in a simple way. A smart step is to start building savings so the the future feels secure. Today, the financial industry even offers solutions that provide certain amount of money to customers annually for their "basic financial security" in the future as well as offer insurance benefits if the insured passes away.
BCA offers an AIA life insurance plan called Proteksi Wholelife Income Maksima (HOKI). HOKI combines lifelong security with annual living benefits that can be used for diverse goals, ranging from continuing education, starting a business, traveling and supporting your hobbies. With guaranteed annual benefits until the age of 99, HOKI offers a steady cash flow to build long-term economic value.
HOKI offers various plan options to suit individual needs: Lite and Deluxe.
Lite Plan
- Premium: IDR 8 million to less than IDR 24 million per year for 10 years.
- Guaranteed Annual Benefit: 10% to 50% of the Sum Assured.
- Guaranteed benefit booster: 60% of the Sum Assured at the beginning of the 16th Policy Year.
Deluxe Plan
- Premium: A minimum of IDR 24 million/year for 10 years.
- Guaranteed annual benefit: 10% to 50% of the Sum Assured.
- Guaranteed benefit booster: 110% of the Sum Assured at the beginning of the 16th Policy Year.
HOKI Lite Plan Benefit Simulation
Let’s check the illustration of HOKI Lite plan below:
Policyholder Profile : Santi, 30 years old
Insured Profile : Santi, 30 years old
Annual Basic Premium : IDR 8 million
Premium Payment Term : 10 years
Total Premium Paid : IDR 80 million
Estimated Benefits:
- Total guaranteed annual benefits (up to age 99): IDR 184 million
- Guaranteed benefit booster (start of 16th Policy Year): IDR 4.8 million
- Guaranteed benefit at the end of the Policy (age 99): IDR 88 million
- Non-guaranteed benefits (estimated): IDR 23.6 million
- Total Insurance Benefit if Santi passes away at age 70: IDR 259.6 million
- Total Insurance Benefit until the end of the Policy (age 99): IDR 802 million
HOKI Deluxe Plan Benefit Simulation
Let’s check the illustration of HOKI Deluxe plan below:
Policyholder Profile : Panji, 35 years old
Insured Profile : Panji, 35 years old
Annual Basic Premium : IDR 24 million
Premium Payment Term : 10 years
Total Premium Paid : IDR 240 million
Estimated Benefits:
- Total guaranteed annual benefits (up to age 99): IDR 559.2 million
- Guaranteed benefit booster (start of 16th Policy Year): IDR 26.4 million
- Guaranteed benefit at the end of the Policy (age 99): IDR 264 million
- Non-guaranteed benefits (estimated): IDR 64.8 million
- Total Insurance Benefit if Panji passes away at age 70: IDR 666.3 million
- Total Insurance Benefit until the end of the Policy (age 99): IDR 1.7 billion
With affordable premiums and increasing benefits, HOKI is suitable for the younger generations who want to continue enjoying life without compromising long-term financial security.
Interested to know further more? Visit the nearest BCA branch and consult with an AIA Bancassurance Life Consultant (BLC), or click the link below.