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BCA Life Proteksi Jiwa Optima

Protect your financial future

BCA LIfe Proteksi Jiwa Optima

About Important Information Fees Get the Service

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 IDR115,900 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

  • BCA Life Proteksi Jiwa Optima is an Insurance Product marketed specifically in collaboration between PT Asuransi Jiwa BCA (BCA Life) and PT Bank Central Asia Tbk (BCA)
  • The Insurance Product is not a product and responsibility of the Bank, thus is not included in the guarantee program, and the Bank shall not be responsible for any information issued by BCA Life
  • PT Asuransi Jiwa BCA and PT Bank Central Asia Tbk 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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