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AIA Optima Accident Protection

AIA Optima Accident Protection

About


Optima Accident Protection is an accident insurance product that offers death benefits due to an accident and bereavement benefits. This product is issued by PT AIA Financial. Optima Accident Protection also offers a return of premium benefit of 75% at the end of the 15th policy year.

Protection Benefits


Accidental Death Benefit

Daily Hospital Cash Benefit is payable according to the Optima Medical Care Plan that has been selected within the period of insurance, and Policy is in force and passes the Waiting Period based on a Doctor’s Diagnosis, in the event that the Insured and/or Additional Insured(s) (if any) must undergo hospitalization treatment due to illness or injury.

Additional Benefit of Accidental Death in Common Carrier

Provided that during the Insurance Period and Policy is in force, the Insured passes away due to an accident in a common carrier within 90 (ninety) calendar days from the date of the accident, the Insurer will pay an additional benefit of death due to an accident in a common carrier in the amount of 100% (one hundred percent) of Sum Assured.

Bereavement Benefit

Provided that during the Insurance Period and Policy is in force, the Insured passes away other than as a result of an accident, the Insurer will pay a bereavement benefit with the following provisions:

Policy Year

Bereavement Benefit

1 100% paid premiums
≥ 2 25% Sum Assured

Return of Premium

A return of premium benefit is payable if the Policy is still in force at the end of the 15-year term and the Premium has been paid for 10 (ten) full years, with the following amount:

End of Policy Year Return of Premium Benefit
15 75% x (total paid premium until the end of the 10-year term)
Benefit Plan (SI)
I (200 million) II (300 million) III (400 million) IV (500 million)
Accidental death benefit 100% Sum Assured
Additional benefit of accidental death in common carrier 100% Sum Assured
Bereavement Benefit Policy Year Bereavement Benefit
1 100% premiums paid
≥ 2 25% Sum Assured
Return of Premium Benefit End of Policy Year Return of Premium Benefit
15 75% x (total premiums paid until the end of the 10-year term)
Entry Age of the Insured (years) Plan (Rp)
I (200 million) II (300 million) III (400 million) IV (500 million)
18 – 35 150,000 187,000 225,000 255,000
36 – 45 200,000 250,000 300,000 340,000
46 – 55 300,000 375,000 450,000 510,000

Terms and Conditions:

  • Entry Age of the Policy Holder: 18 – 55 years (nearest birthday)
  • Payment method: monthly auto-debit from BCA Savings Account

Other Provisions


Protection with Complete Health Solutions

  1. Issuer: PT AIA Financial
  2. Product name: Optima Accident Protection
  3. Currency: Rupiah
  4. Product Type: Health
  5. Product description:
    • Accidental death benefit
    • Bereavement benefit
    • 75% return of premium at the end of the 15-year term
    • Affordable premiums
    • The plan starts from Rp200 million up to Rp1 billion
    • Eligible for BCA Savings customers
    • This product offered through BCA Telemarketing
  6. Important definitions:
    • The policyholder is the individual whose name an insurance policy is written, as the party who enters into an insurance agreement, hereinafter referred to as “You”.
    • The Insured is the individual whose life is covered by this Policy.
  7. Procedures, Methods, and Terms:
    • Claim Submissions
      1. The payment of the Insurance Benefit will be processed if our Head Office has received all the required documents, completely and correctly.
      2. The Insurance Benefit is payable after premiums have been fully paid for the risks of insurance coverage that occur during the Grace Period and other obligations (if any) are satisfied.
      3. We are not responsible for the costs incurred to complete the requirements for the Insurance Benefit payment request.
      4. All documents and/or supporting evidence for a request for payment of Insurance Benefit must be submitted in Indonesian and/or English.
      5. The letter issued regarding the payment of Insurance Benefits is valid proof that such payment has been made pursuant to the prevailing provisions of the Policy.
    • Policy Cancellation during Freelook Period
      If you do not agree to the terms and conditions set forth in this Policy for any reason, you can cancel the insurance protection, by:
        1. Submit a Policy Cancellation Application Form which has been filled out completely and signed by you and sent to our Head; or
        2. Call our customer care to cancel your policy, where, in this case, you agree that the conversation regarding the Policy cancellation will be recorded;

        Within 14 (fourteen) calendar days after you receive the Policy (“Free Look Period”). On that matter, the Policy is treated as void by default from the Policy Effective Date and we are not liable for any insurance protection to you, the Insured, and/or Additional Insureds (if any). All of the premium received will be refunded.

Disclaimer (important):

  1. Insurance companies may reject your application if it does not meet the applicable requirements and regulations.
  2. Please read the Summary of Product and Service Information carefully and you have the right to ask the Insurance Company employees questions related to this Product Summary.

OJK Disclaimer:

  • Optima Accident Protection is an Insurance Product marketed specifically in collaboration between PT AIA Financial (AIA) 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 AIA
  • PT AIA Financial and PT Bank Central Asia Tbk are registered with and overseen by the OJK

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