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BCA Life Heritage Protection

Prepare for your family's future

Why Should BCA Life Heritage Protection?

Maximum Insured money

From IDR500 Million to IDR300 Billion

Protect For Life

Protection period up to 99 years

Certainty of Payment Period

Lump sum or regular premiums for up to 20 years

Various Benefits

Terminal Illness Benefits to additional value insurance benefits

BCA Life Heritage Protection

BCA Life Heritage Protection

Important Information Fees Get the Product Additional Insurance FAQ

Important Information

Main Benefits of Insurance

  • Death or life benefit until the end of insurance (up to age 99 years) is 100% of the sum assured
  • Benefits of terminal illness:
    20% of the Sum Insured or a maximum of IDR 3 billion
  • Benefits of additional insured value
    The insurance value continues to increase over time. The amount of additional insurance is not guaranteed.
  • Policy loan benefits
    Maximum up to 80% of Guaranteed Cash Value.
  • Policy redemption benefits
    The redemption value corresponds to the guaranteed Cash Value plus the Cash Value of the Additional Insured Value (if any) at the time of policy redemption.

Additional Insurance Benefits

Premium exemption if the Policy Holder experiences total permanent incapacity or dies.

Insurance is void and ends if:
Insurance premiums are not paid until the grace period or the Guaranteed Cash Value of the Policy is equal to or less than the Policy Loan amount including interest, and the existing Premium arrears.

Additional Insurance Value is a benefit that is not guaranteed. This value depends on the operational performance and investment performance of the product portfolio.


  • Death and terminal illness benefits will not be paid if they are caused by, among other things, a crime or violation of the law.
  • Events that occur before the insurance start date or policy reinstatement date

Full risks and exclusions can be accessed via the brochure.

Terms and Conditions

  • Age of the Insured: 6 months - 70 years old
  • Minimum age of the Policy Holder is 21 years old


  • BCA and partner insurance companies are registered with and overseen by the OJK.
  • The product is an insurance product of PT Asuransi Jiwa BCA (BCA Life) and is not a product of BCA. BCA shall not be responsible for such insurance product. See more.



Insurance Fee

Only the premium costs: one-time payment, annualized, or monthly.


No additional fees.

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Additional Insurance

BCA Life Waiver of Premium
Waiver of policy premiums if the policyholder experiences the risk of total permanent disability
BCA Life Payor Benefit
Premium exemption if the policy holder is a person different from the Insured who experiences the risk of total permanent disability or death.


Is there a choice of premium payment period?

Premiums can be paid all at once or periodic premiums (5, 10, 15 and 20 years). Periodic premiums can be paid monthly or annually

What are the terms and conditions for studying the BCA Life Heritage Protection policy?

Customers have the right to study the policy for 14 calendar days from the time the policy is received (freelook period). If the policy is cancelled during the policy study period, the premium will be refunded after deducting the policy issuance fee and medical examination fee (if any)

How long is the waiting period for a Death Benefit claim?

There is no waiting period for Death Benefit claims because life protection takes effect from the time the policy is issued.

How long is the waiting period for a Terminal Illness Benefit claim?

90 calendar days from the insurance start date or from the last Policy reinstatement date

When can I apply for Policy Loan Benefits?

Policy loans can be applied for from the time the guaranteed cash value is formed with a maximum value of 80% of the guaranteed cash value.

How do I submit a claim?

Policyholders can submit claims to the Insurer (BCA Life) by submitting complete and correct claim documents within 90 calendar days.