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.
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Other Provisions
Terms and Conditions
Entry Age of the Insured:
Minimum 21 years old
Maximum of:
50 years old for retirement age of 55 years old
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
Death Benefit Due to Illnesses
Death Benefit Due to an Accident
100% Sum Assured
200% Sum Assured
2. Post-Retirement Age Benefit 1)
a. Hospital Care Benefit
Reimbursement of daily hospitalization benefit (max. of 120 days per year)
Reimbursement of ICU Daily Benefit (max. of 30 days per year)
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
Maturity Benefit
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:
Retirement Age options to choose:
55 years old; or
60 years old
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
Apply for Insurance
You can get this product anytime and anywhere by online
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