Plan Your Family’s Protection and Enjoy Discounts of Up to IDR15 Million!

Life is full of unpredictable risks, making it essential to ensure you have sufficient emergency funds in the event of the loss of a family’s primary breadwinner or an unexpected critical illness. BCA Life Heritage Protection and Safety Guard Critical Cover (STAR) provide reliable protection solutions to safeguard your family against these uncertainties.

Secure your family’s future with BCA Life’s insurance coverage and take advantage of discounts of up to IDR 15 million, subject to the following terms and conditions:

Terms and Conditions of the Program:

1. The insurance application period refers to the submission date or closing date of the e-SPAJ (Life Insurance Application Letter) according to the program
2. This program cannot be combined with other ongoing programs
3. The discount program applies to the first year's base premium and does not apply to additional premiums (if any) or renewal premiums.
4. The program will be applied directly to the first-year base premium paid under the following conditions:
   • The discount program is available only for policies issued by January 7^th, 2026.
   • Payment via BCA Credit Card/Debit Card with the Autodebit method.
   • For the BHP product, applicable for single and annual payments. For single payments, the premium considered for the discount is 10% of the single premium.
   • For the STAR product, applicable for annual payments and can be combined with the BCA 0% Installment Program (3-month tenor) for the first-year policy payment using a BCA Credit Card-branded BCA Card.

Here’s the scenarios of the benefit you could receive:

BCA Life Heritage Protection:

1. Discount Benefit: Annual Payment
   Mrs. Brigitta, a 40-year-old AI Specialist with two children, visited a BCA branch and became interested in the benefits of BCA Life Heritage Protection insurance offered by a Financial Advisor. She decided to purchase the policy with an annual premium of IDR146,700,000, with a 10-year payment term. Once the policy is in force, Mrs. Brigitta will receive:
   • Life coverage up to age 99 with a sum insured of IDR5 billion
   • Terminal Illness Benefit, covering up to 20% of the sum assured (maximum IDR3 billion)
   • Discount of IDR 2,750,000 (based on the first-year premium payment)
   • As a result, Mrs. Brigitta’s first-year premium will only amount to IDR143,950,000 (first-year premium minus the discount, in accordance with the program's BHP tiering table).
2. Discount Benefit: Single Payment
   Mr. Oliver is a 30-year-old entrepreneur, applied for BCA Life Heritage Protection with a single premium payment of IDR304,560,000. Once the policy is in force, Mr. Oliver will receive:
   • Life coverage until the age of 99 with a sum assured of IDR2 billion
   • Discount IDR600,000 (based on the first-year premium payment multiplied by 10%)
   • Oliver’s first-year premium will only be IDR303,960,000 (first-year premium minus the discount, in accordance with the program's BHP tiering table).

Safety Guard Critical Cover (STAR)

1. Benefit Diskon: Annual Payment
   Mrs. Daniella is a 28-year-old content creator, who decided to purchase the Safety Guard Critical Cover (STAR) insurance to protect her financial future from the risks of critical illness. She opted for an annual premium payment of IDR16,875,000. Once the policy is in force, Mrs. Daniella will receive:
   • Coverage for critical illness with a Sum Assured of IDR1,5 billion
   • Discount IDR350,000 (based on the first-year premium payment), in accordance with the program's STAR tiering table.
   • Cynthia's first-year premium will be reduced to IDR16,525,000.

For further information, please contact the Financial Advisor at your nearest BCA branch

Important Information:

BCA and BCA Life licensed and supervised by Financial Services Authority (OJK) and Bank Indonesia.
BCA is member of Indonesia Deposit Insurance Corporation (LPS)