In today's dynamic economic landscape, focusing solely on asset accumulation is no longer enough to mitigate risks. Wealth can be rapidly eroded by medical inflation and the soaring costs of critical illness treatments.

According to the 2024 Global Medical Trends report, medical inflation in Indonesia stands at approximately 12.7% (source). The rising cost of hospital care is far more volatile than the price increases of daily essential goods. These high medical expenses risk forcing families to liquidate vital assets at an unfavorable time. Without a dedicated insurance shield, a family's financial wellness can be heavily compromised by unforeseen medical emergencies.

Mitigate these risks with Life and Critical Illness Protection from BCA Life—designed to serve as your family's financial anchor, ensuring your long-term plans remain unshaken by life's uncertainties or premature demise.

Upgrade your protection with BCA Life today and enjoy Premium Discounts of up to IDR 16.2 million for the application period 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. The policy must be issued within a maximum of D+7 after the program period ends.
   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. The policy must be issued within a maximum of D+7 after the program period ends.
   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. Mr. Alden (29) a travel influencer, purchases Heritage Platinum Protection (Heritage+) Plan Essential for himself with a single premium of IDR1,005,750,000 in July 2026. This policy is prepared to provide a guaranteed financial legacy for his parents if the risk of death occurs. Once the policy is in force, Mr. Alden will receive:
   • Life protection up to age 99 with a Sum Assured (UP) of IDR5 Billion. 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 IDR 2.75 million (tier ≥ IDR100 million to < IDR200 million). The premium considered for the single-pay discount calculation is 10% of the single premium (10% x IDR1,005,750,000 = IDR100,575,000), so the First-Year Premium payable by Mr. Alden is IDR1,003,000,000.

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

Discount Benefit: Annual Payment (USD)

2. Mr. Jason (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 $11,098 in August 2026 and a premium payment term of 5 years. Once the policy is in force, Mr. Jason will receive:
   • Life protection up to age 99 with a Sum Assured of $70,000. 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 $170 (tier ≥ $6,250 to < $12,500), so the premium payable by Mrs. Callista is $10,723.

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

Safety Guard Critical Cover (STAR)

Discount Benefit: Annual Payment

Mrs. Livy (65) an entrepreneur and influencer with an active, high-mobility lifestyle, purchases Safety Guard Critical Cover (STAR) to protect her personal wealth from the financial impact of critical illnesses. With a first-year premium of IDR 47,250,000, once the policy is in force Mrs. Livy receives:

• 1-year critical illness protection with a Sum Assured of IDR 2 billion.
• First-year premium discount of IDR 750 thousand (tier ≥ IDR25 million to < IDR50 million), so the First-Year Premium payable by Mrs. Livy is IDR 46,500,000.

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.