In modern financial planning, asset growth and accumulation alone are not enough. To ensure assets can be utilized across generations, protection for the family’s breadwinner is needed so that the family can maintain financial stability if unexpected risks occur, such as passing away or critical illness. With rising healthcare costs, expensive medical treatment can significantly impact a family’s finances in the future.

Get life and critical illness protection from BCA Life so your family can confidently continue with future financial plans.

Get discounts of up to IDR5 million for BCA Life insurance policy applications through 30 June 2026 under the following terms:

Program Terms and Conditions:

1. The period is based on the submission/closing date of e-SPAJ (Life Insurance Application Form).
2. The discount applies to the first-year basic premium and does not apply to any extra premium (if any) nor to renewal premiums.
3. The discount directly reduces the first-year basic premium paid, subject to:
   1. Policy issuance deadline for the discount program: up to 7 July 2026.
   2. Payment using BCA Credit Card/BCA Debit Card via Auto-debit.
   3. For STAR, the discount applies to annual payments only.
   4. For Heritage+, the discount applies to single-pay and annual payments only. For single-pay, the premium considered for the discount calculation is 10% of the single premium.

Tiered Discounts for Heritage+ Purchases in USD:

Program Terms and Conditions:

1. The period is based on the submission/closing date of e-SPAJ (Life Insurance Application Form).
2. The discount applies to the first-year basic premium and does not apply to any extra premium (if any) nor to renewal premiums.
3. The discount directly reduces the first-year basic premium paid, subject to:
   1. Policy issuance deadline for the discount program: up to 7 July 2026.
   2. Payment using a BCA Dollar account via Auto-debit.
   3. The discount applies to single-pay and annual payments only. For single-pay, the premium considered for the discount calculation is 10% of the single premium.

Discount simulations:

Heritage Platinum Protection (Heritage+)

Discount Benefit: Single Payment (IDR) 

1. Mrs. Joyceline, a 48-year-old mother and entrepreneur, purchases Heritage Platinum Protection (Heritage+) Plan Essential with a single premium of IDR 265,895,000 in April 2026. This policy is prepared to someday provide a legacy for her husband and children if the risk of death occurs. Once the policy is in force, Mrs. Joyceline will receive:

• Life protection up to age 99 with a Sum Assured (UP) of IDR 700 million. Receive an increase in Sum Assured up to 200% of the initial UP every 5 policy years*.
• Accidental Death Additional Benefit of an extra 100% UP* and other benefits.
• Premium discount of IDR350 thousand (tier ≥ IDR 25 million to < IDR 50 million). The premium considered for the single-pay discount calculation is 10% of the single premium (10% x IDR 265,895,000 = IDR 26,589,500), so the First-Year Premium payable by Mrs. Joyceline is IDR 265,545,000. Note: *) In accordance with the Policy Terms and Conditions.

Discount Benefit: Annual Payment (USD)

2. Mrs. Callista (36), a senior accounting manager at a multinational company in Jakarta, is interested in purchasing Heritage Platinum Protection (Heritage+) Plan Secure in USD with an annual premium of $7,710 in January 2026 and a premium payment term of 5 years. Once the policy is in force, Mrs. Callista will receive:

• Life protection up to age 99 with a Sum Assured of $75,000. Receive an increase in Sum Assured up to 200% of the initial UP every 5 policy years*.
• Accidental Death Additional Benefit of an extra 100% UP* and other benefits.
• Living Benefit of a 50% Premium Return*.
• Premium discount of $95 (tier ≥ $6,250 to < $12,500), so the premium payable by Mrs. Callista is $7,615. 

Note: *) In accordance with the Policy Terms and Conditions.

Safety Guard Critical Cover (STAR)

Discount Benefit: Annual Payment 

3. Mr. Calvin (48), an entrepreneur and head of household with a young child. As an entrepreneur with high activity and mobility, Mr. Calvin purchases Safety Guard Critical Cover (STAR) to protect his family’s finances from the risk of critical illness. With a first-year premium of IDR 78,047,000, once the policy is in force Mr. Calvin will receive:

• Critical illness protection with a 1-year coverage period and a Sum Assured of IDR1.7 billion.
• First-Year Premium discount of IDR 2 million (tier ≥ IDR 75 million to < IDR 100 million), so the First-Year Premium payable by Mr. Calvin is IDR 76,047,000.

For more information, contact a BCA Life Financial Advisor at a BCA branch.

Important Information: 

PT Bank Central Asia, Tbk. and PT Asuransi Jiwa BCA are licensed and supervised by the Financial Services Authority (OJK). 
PT Bank Central Asia, Tbk is licensed and supervised by Bank Indonesia.