Nowadays living in a healthy lifestyle is a must though unpredictable circumstances could happen unintended. For example, drastic weather changes and extreme temperatures that can cause particular health risks. Thus, it is essential to balance a healthy lifestyle with insurance with comprehensive coverage against critical illness, death, and accidents to protect you and your family's future.
Financial protection is the primary key to ensuring peace of mind for your family against financial risks in the future. Having insurance creates a financial defence mechanism during unexpected events such as medical expenses, accidents, or income loss. Therefore, BCA in partnership with AIA provides a comprehensive suite of protection solutions customizable to your needs, spanning life insurance, health coverage, and critical illness protection, to long-term retirement and education funds.
Buy AIA Insurance Before September 30, 2026: Enjoy Premium Discounts Up to IDR72 Million and Extra Discount 3%
Get IDR 72 Million Premium Discount Plus Extra Discount 3%
| Tiering APE (IDR) |
Discounts from APE (IDR) |
Extra Discount of APE |
| Product Category A1) |
Product Category B2) |
PRIMA Extra with AIA Healthy Longevity33) |
| ≥ 25 Million s/d < 50 Million |
450,000 |
200,000 |
|
| ≥ 50 Million s/d < 100 Million |
900,000 |
400,000 |
| ≥ 100 Million s/d < 300 Million |
2 Million |
800,000 |
+3% |
| ≥ 300 Million s/d < 500 Million |
9 Million |
4,5 Million |
| ≥ 500 Million s/d < 1 Billion |
24 Million |
12 Million |
| ≥ 1 Billion |
72 Million |
36 Million |
Notes:
1) Product Category A: PRIMA Extra, MVP/MILA Plus dengan Rider Premier Hospital & Surgical Extra (PHSE), RetirePlan with 10/ 15/ 20-Pay Payment methods
2) Product Category B: MVP/MILA Plus dengan Rider non-PHSE, EduPlan, RetirePlan 5 Pay, HOKI, JIMI 5/10-Pay Payment method
3) 3. PRIMA Extra 5-Pay product with Annual Premium of ≥ IDR100 Million and Sum Assured (UP) of ≥ IDR2 Billion
Get Extra 3% of Premium Discount and Extra Cashback 3%
Get an Extra 3% Premium Discount and Extra 3% Cashback with following terms and conditions:
|
No.
|
Special Criteria Customer |
Product |
APE of Annual Premium (IDR) |
Ekstra Reward |
| 1 |
Customers who meets Special Criteria (at least one of the following):
- BCA Membership Customers (Solitaire / Prioritas)
- Having Kredit Modal Kerja (KMK)
- Having Kredit Pemilikan Rumah (KPR)
- Having Asset Under Management Investasi (Mutual Funds and/or Bonds) equivalent to ≥ IDR500 Million
|
MILA Plus/MVP with Rider PHSE/PHS Saver |
≥ 50 Million |
Cashback +3% |
| 2 |
Customers who submit their contact details via bca.co.id |
All Products |
Premium Discount +3% |
Notes: Special Criteria Customers must complete a form provided by an AIA Bancassurance Life Consultant (BLC) to receive the extra cashback.
Terms and Conditions:
- The program is only valid for policies with an approved annual payment method (inforce) and no cancellations (cancel freelook) during the freelook period.
- If a cancellation occurs during the freelook period, the premium amount the customer will receive will be the premium amount minus the premium discount (as paid by the customer).
- The discount reward will be directly deducted from the customer's first year's premium.
- AIA will provide a cashback reward within 60 calendar days of the policy being inforce and no cancellations (cancel freelook).
- Purchases of USD policies are based on the JISDOR benchmark as of July 1, 2026, with a rate of 1 USD = IDR17,961.00.
Combining policies is not applicable to the program
Simulation of total cashback that customers can receive as follows:
Example 1:
Mrs. Rina (40 years old) is a BCA customer who purchased a Maxi Value Protection (MVP) product with the PHS Extra rider by filling out the webform after clicking the “Apply Now” button on this page. Mrs. Rina’s premium is IDR100 million with an annual payment method.
Product : Maxi Value Protection
Premium : IDR100 million/year
Payment : Annual (10-year payment term)
Therefore, Mrs. Rina will receive:
- Life coverage up to age 99
- A premium discount on the annual policy amounting to IDR2,000,000
- An extra 3% premium discount for purchasing insurance via the e-form in bca.co.id: 3% of IDR100,000,000 = IDR3,000,000
Thus, Mrs. Rina gets a total premium discount of IDR5,000,000 in the first year.
Example 2:
Mr. Andika (35 years old) is a BCA Prioritas customer who purchased the PRIMA Extra product:
- Product : PRIMA Extra
- Premium : IDR 300 million/year with a Sum Assured of IDR4.35 Billion
- Payment Frequency : Annual (5-year payment term)
Therefore, Mr. Andika will receive:
- Coverage for 136 Critical Illness conditions and life protection up to age 99
- A premium discount on the annual policy amounting to IDR9,000,000
- A discount for purchasing the PRIMA Extra product with AIA Healthy Longevity: 3% of IDR300,000,000 = IDR9,000,000
In total, Mr. Andika receives a total premium discount of IDR18,000,000
For further information, please visit the nearest BCA branch or click the "I want the promo" button above.
Disclaimer: PT BANK CENTRAL ASIA Tbk and PT AIA FINANCIAL is licensed & supervised by Financial Services Authority (Otoritas Jasa Keuangan)
PT BANK CENTRAL ASIA Tbk is licensed & supervised by Bank Indonesia • bca.co.id.
This insurance product belongs to PT AIA FINANCIAL (“AIA”) and is not a product or the responsibility of PT BANK CENTRAL ASIA (“BCA”). This product is not guaranteed by BCA and is excluded from the coverage of the guarantee program as defined in the applicable laws and regulations regarding deposit insurance institutions.
