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BCA Life Purna Medis Optima

BCA Life Purna Medis Optima

About

BCA Life Purna Medis Optima is a health insurance product that offers life protection until the Insured turns 99 years old, with Hospital Care Benefit (reimbursement of daily hospitalization benefit, ICU daily benefit, and Surgical costs) effective when the Insured enters Retirement Age. This product is also equipped with Surrender Benefit during the Coverage Period and Maturity Benefit. This product is offered at affordable premiums and through telemarketing.


Advantages

  1. As a financial guarantee upon approaching and entering retirement
  2. Protection against the risk of death that can occur anytime, anywhere
  3. An option in financial planning

Key Benefits

  1. Post-Retirement Age Benefit, which includes Hospital Care Benefit and Death Benefit Due to Illnesses or Accidents
  2. Pre-Retirement Age Benefit, which includes Death Benefit Due to Illnesses or Accidents
  3. Life Benefit, which includes Maturity Benefit and Surrender Benefit

Privileges

  1. Retirement Health Protection
    BCA Life Purna Medis Optima offers daily hospitalization and ICU benefit including reimbursements for surgical costs once reached retirement age
  2. Coverage for Seniors
    The Insured will receive 100% Sum Assured if they outlive the policy
  3. Retirement Age Options
    The Insured can choose retirement age of 55 years old or 60 years old
  4. Easy and Affordable
    Low-cost premiums starting from Rp158,160 per month, which can be paid monthly or yearly, automatically debited from a BCA savings account or BCA Credit Cards.

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.


Other Provisions

Terms and Conditions

Entry Age of the Insured:
Minimum 21 years old
Maximum of:

  1. 50 years old for retirement age of 55 years old
  2. 55 years old for retirement age of 60 years old

Payment: monthly or yearly auto-debit from a BCA savings account according to the premium paying term.
Coverage Period: until the Insured turns 99 years old


Table of Benefits

Table of Benefits (in thousands of Rupiah ‘000)

Types of Benefit Plan A Plan B Plan C Plan D Plan E
Sum Assured 120,000 240,000 360,000 480,000 600,000
  • Pre-Retirement Age Benefit
    1. Death Benefit Due to Illnesses
    2. Death Benefit Due to an Accident
100% Sum Assured

200% Sum Assured
2. Post-Retirement Age Benefit 1)
    a. Hospital Care Benefit
  1. Reimbursement of daily hospitalization benefit (max. of 120 days per year)
  2. Reimbursement of ICU Daily Benefit (max. of 30 days per year)
  3. Reimbursement for Surgical Costs (max. per disability)

250

500

3,000

500

1,000

6,000

750

1,500

9,000

1,000

2,000

12,000

1,500

2,000

15,000
Total Ceiling of Medical Care Benefit 2) 120,000 240,000 360,000 480,000 600,000
b. Death Benefit Due to Illnesses or Accidents 100% Sum Assured minus the Medical Care benefits paid
3. Life Benefit
  1. Maturity Benefit
  2. Surrender Benefit
100% Sum Insured minus the Medical Care benefits paid, Cash Value Benefit that is formed according to the Policy Data after deducting first the Medical Care benefits paid (if any)

Note:

  1. Retirement Age options to choose:
    1. 55 years old; or
    2. 60 years old
  2. Medical Care benefit paid will reduce the amount of Sum Insured

Fees

The amount of premium paid by the policyholder includes acquisition costs, telemarketing charges, policy maintenance, and commissions for the Bank.


Complaint

To make a complaint about the purchase of insurance product, the Policyholder may:

  • Contact BCA Life Customer Service via HALO BCA at 1500888;
  • Contact BCA Life Head Office at 021-21888000;
  • Visit BCA Life Office.

Get the Service

Leave Contact Feature on WELMA
Click the "I AM INTERESTED" button on product information details
AIA Bancassurance Consultant
Visit BCA Branch Office