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BCA Life Proteksi Jiwa Optima

BCA LIfe Proteksi Jiwa Optima

About


BCA Life Proteksi Jiwa Optima is a health insurance product which provides Death Benefits or Total and Permanent Disability due to natural causes or accidents. Other benefits include Return of Premium if the policyholder doesn’t die or is diagnosed with Total and Permanent Disability during the stated term. With the premium paying term of 10 (ten) years and coverage of 15 (fifteen) years, BCA Life Proteksi Jiwa Optima offers low-cost premium offered through Telemarketing.

Advantages


  1. Provides protection against Death or Total and Permanent Disability that can occur anytime, anywhere.
  2. Return of Premiums is paid in stages at the end of the level premium policy term (5, 10, and 15 years), if it is still in force.
  3. As a financial guarantee against risks (complementary protection).
  4. Competitive and fixed Premium throughout the paying term.
  5. Ease of obtaining the product by phone with Telemarketer.

Key Benefits


  1. Death Benefits due to natural causes or accidents.
  2. Total and Permanent Disability benefits due to illnesses or accidents.
  3. Return of Premium.

Privileges


  1. Future Financial Protection for You and Family
    BCA Life Proteksi Jiwa Optima guarantees financial protection for you and family in the future.
  2. Affordable and Easy
    Low-cost premiums starting from Rp110,400 per month, which can be paid monthly or yearly, automatically debited from a BCA Savings Account.
  3. Attractive Premium Program: Pay 10 Years Get Additional 5 Years of Protection
    Simply pay premiums for 10 years and you will get coverage for 15 years from BCA Life.
  4. Cheaper Annual Payment
    2 (two) times monthly premium discount for annualized payment.
  5. Ease of Adding Spousal Coverage
    Spouse will get a 5% premium discount.

Disclaimer


The data or information listed on this page is presented and/or calculated based on data provided by the insurance company partner to PT Bank Central Asia Tbk (BCA). Such data or information is for general informational purposes only and does not constitute recommendation in any form and for any purpose and it is not intended as an offer or solicitation for the purchase or sale of any product.

The product listed on this page is an insurance product issued by the insurance company partner in collaboration with PT Bank Central Asia Tbk (BCA) and is NOT a product or responsibility of BCA. BCA only acts as the party that provides references or markets the insurance products issued by the insurance company partner. This insurance product and the investment it contains (if any) is NOT part of a third-party deposit at BCA, and it is not guaranteed by BCA and DOES NOT FALL within the scope of the deposit guarantee program as referred to in the statutory provisions concerning deposit insurance corporations. The use of the BCA logo and/or other attributes in the brochures or other marketing documents (if any) are based on BCA’s agreement and as a form of marketing collaboration between BCA and the insurance company partner.

Investments in insurance products contain risks that allow (prospective) Policyholder and/or the Insured(s) to lose part or all their invested capital. (Prospective) Policyholder and/or the Insured(s) are required to read and understand the characteristic of insurance products including, among others, features, benefits, risks, membership requirements, claim procedures, fees, and investment in insurance products (if any) before purchasing an insurance product. Every choice of insurance products and investments shall be the sole responsibility and decision of (prospective) Policyholder and/or the Insured. The performance of the insurance and investment products in the past is not a guarantee of future performance.

BCA shall not be responsible for the truth, accuracy, or completeness of data or information, materials, and the results of calculating the investment performance of this insurance product, including errors in data and information contained on this page and any amendments or other documents officially approved and/or issued by BCA insurance company partner.

BCA and the insurance company partner are registered with and overseen by the OJK.

Terms and Conditions


Entry Age:

  • Policyholder: 21 - 55 years old
  • Spouse: 18 - 55 years old
Payment: monthly or yearly auto-debit from a BCA Savings Account for 10 years

Coverage Period: 15 years since the Policy is in force

Benefit Table

Benefit Table (in Rupiah)

Types of Benefit Plan A Plan B Plan C Plan D Plan E
    1. Death or Total and Permanent Disability
100 Million 200 Million 300 Million 400 Million 500 Million
    2. Return of Premium Benefits:
    • End of the 5th policy year
    • End of the 10th policy year
    • End of the 15th policy year

10% of the total paid premiums
15% of the total paid premiums
80% of the total paid premiums

Note:

  • Return of Premium will be paid in stages if the policyholder doesn’t die or is diagnosed with Total and Permanent Disability during the Policy Period.
  • Return of Premium that has been paid will not reduce the amount of Death benefits or Total and Permanent Disability.

Plan Table and Monthly Premium (in Rupiah)

Age Plan A Plan B Plan C Plan D Plan E
Male Female Male Female Male Female Male Female Male Female
18 - 25 124,600 110,400 249,200 220,800 373,800 331,200 498,400 441,600 623,000 552,000
26 - 30 143,200 124,400 286,400 248,800 429,600 373,200 572,800 497,600 716,000 622,000
31 - 35 182,600 156,900 365,200 313,800 547,800 470,700 730,400 627,600 913,000 784,500
36 - 40 253,300 215,400 506,600 430,800 759,900 646,200 1,013,200 861,600 1,266,500 1,077,000
41 - 45 359,200 298,100 718,400 596,200 1,077,600 894,300 1,436,800 1,192,400 1,796,000 1,490,500
46 - 50 502,000 431,800 1,004,000 863,600 1,506,000 1,295,400 2,008,000 1,727,200 2,510,000 2,159,000
51 - 55 684,200 602,100 1,368,400 1,204,200 2,502,600 1,806,300 2,736,800 2,408,400 3,421,000 3,010,500

Fees


The amount of premium paid by the Policyholder includes acquisition cost, telemarketing charges, Policy maintenance, and commissions for the Bank.

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