Fire, Strike by Lightning, Explosion, Hit by Airplane Crash, and Smoke
Flood, Hurricane, Typhoon, and Water Damage
Motor Vehicle Damage, Demolition, and other guarantees
Extended Guarantee
Riots, Strikes, Malicious Damage, and Civil Commotion
Terrorist Act and Acts of Sabotage
Earthquake, Volcano Eruption, and Tsunami
Disclaimer
BCA and partner insurance companies are registered with and overseen by the OJK.
The product is an insurance product of PT Asuransi Umum BCA and is not a product of BCA. BCA shall not be responsible for such insurance products. See more.
Risk and Exclusions
Risk
This insurance product contains risks including but not limited to, credit risk and policy cancellation risk.
Exlusions
This coverage does not guarantee losses of or damage to property caused by willful acts, and total/partial cessation of work.
Futher details about exclusions can be accessed through the brochure
Insured Object
Insured Object
Building with registered occupations type, content (furniture, fixtures/equipment) stock (goods inventory)
Occupation
Is the use the insured building. Rates and Occupational Codes can be accessed on Occupation List
Disclaimer
BCA and BCAinsurance are licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan).
This product is an insurance product of PT Asuransi Umum BCA (BCAinsurance) and is not a product of BCA. BCA is not responsible for these insurance products.
Fees
Insurance Fees
Fee
Description
Insurance Fee
The premium depends on the amount of sum insured
Endorsement Administration Fee
Charged if there is a change in Insured Object Value, Occupation, and Guarantee
Administration Fees
Type of Premium (Rp)
Administration Fee
< Rp 5,000,000
Rp25,000
≥Rp 5,000,000
Rp35,000
Personal Risk Fees
Guarantee
Personal Risk
Fire, Strike by Lightning, Explosion, Hit by Airplane Crash, Smoke
Rumah Tinggal & Rukan: NIL
Home & Home Office: NIL Shophouse: 5% of the agreed loss value or 0.1% of the total insured value
Floods, Hurricane, Typhoon, and Water Damage
10% of the agreed claim
Motor Vehicle Damage, Demolition
Rp2.5 million/accident
Riots, Strikes, Malicious Damage, and Civil Commotion
10% of the minimum claim value of Rp10 million
Terrorist Act and Acts of Sabotage
The amount will be determined at the time of claim filing
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