Comprehensive financial planning extends beyond wealth accumulation; it is fundamentally about safeguarding your family’s future. Unforeseen events, such as the loss of a primary breadwinner or the onset of a critical illness, can have a profound impact on a family’s financial stability if left unprotected.

This is where life and critical illness insurance serve as a vital foundation for long-term security. BCA and BCA Life provide protection solutions designed to align with your unique needs, ensuring your financial legacy remains secure.

Secure your journey with BCA Life’s insurance coverage and take advantage of discounts of up to IDR15 million, subject to the following terms and conditions:

Terms and Condition:

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. The discount program applies to the first year's base premium and does not apply to additional premiums (if any) or renewal premiums.
3. The program will be applied directly to the first-year base premium paid under the following conditions:
1. The discount program is available only for policies issued by February 7^th, 2026.
2. Payment via BCA Credit Card/Debit Card with the Autodebit method.
3. For the STAR product, the discount program applies only to annual payments
4. For the Heritage+ and BHP product, the discount program applies to single and annual payments. For single payments, the premium considered for the discount is 10% of the single premium amount.

Terms and Condition:

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. The discount program applies to the first year's base premium and does not apply to additional premiums (if any) or renewal premiums.
3. The program will be applied directly to the first-year base premium paid under the following conditions:
1. The discount program is available only for policies issued by February 7^th, 2026.
2. Payment via BCA Credit Card/Debit Card with the Autodebit method.
3. The discount program applies to single and annual payments. For single payments, the premium considered for the discount is 10% of the single premium amount.
4. USD policy purchases use an exchange rate reference of I USD = IDR16,000

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

Heritage Platinum Protection (Heritage+)
Discount Benefit: Single Payment

1. Mrs. Nissa (40), a working mother, purchased Heritage Platinum Protection (Heritage+) with a single premium of IDR 900 million in January 2026. This policy was established to secure a financial legacy for her husband and children in the event of her passing. Once the policy is in force, Mrs. Nissa will receive:
   • Life coverage until age 99 with a Sum Assured of IDR 2.5 billion
   • Premium Discount: IDR 1.15 million (Calculated from 10% of the single premium = IDR 90 million)

BCA Life Heritage Protection (BHP)
Discount Benefit: Annual Payment

2. Mr. Jude (35), an entrepreneur, applied for BCA Life Heritage Protection (BHP) in November 2025, with an annual premium of IDR 250 million and a 5-year payment term. His goal is to ensure his family can maintain business continuity through a financial legacy if he passes away.
   • Life coverage until age 99 with a Sum Assured of IDR 7 billion
   • Terminal Illness benefit (20% of the Sum Assured)
   • First-year premium discount: IDR 6 million, Net premium payable by Mr. Jude: IDR 244 million.

Safety Guard Critical Cover (STAR)
Discount Benefit: Annual Payment

3. Mr. Kevin (48), a business owner with a high-mobility lifestyle, chooses Safety Guard Critical Cover (STAR) to protect his family from the financial impact of critical illness. His first-year premium is IDR 67,620,000.
   • 1-year critical illness protection with a Sum Assured of IDR 2 billion.
   • First-year premium discount: IDR 1.5 million, Net premium payable by Mr. Kevin: IDR 66,120,000. 

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)