Myguard – Hospital Care
Protect yourself from unpredictable illnesses with health protection. Enjoy cash benefits and double claims for peace of mind.
Get insurance before you get sick
Safeguard yourself from illnesses and accidents with coverage up to IDR500 million without the need for medical check-ups. Receive cash benefits for both inpatient and outpatient services. Enhance your security.
Get the Product
Easy Process
Available for purchase online without medical check-up
Very Affordable
Premiums start from IDR14,000 per month
Wide Range of Options
Choose or create an insurance package according to your needs
Protect Yourself Now.
The MyGuard – Hospital Care insurance package combines MyGuard Basic Insurance with Hospital Care Add-on
ABOUT
IMPORTANT INFORMATION
BENEFITS & FEES
FAQ
Coverage
Life protection against illness or accidents, critical illness coverage up to IDR500 million, daily cash compensation up to IDR500,000/day, and surgical benefits up to IDR7,5 million/year.
Product Benefits
- Life protection against illness or accidents up to IDR500 million without requiring any medical check-ups
- Daily cash benefit for hospitalization up to IDR500,000/day
- Daily cash benefit for intensive care unit hospitalization up to IDR1 million/day
- Surgical benefits of up to IDR7,5 million/year
- Ability to double claim for health protection benefits with other insurance products
- Automatic renewal of the protection period without the need for re-registration
- A seamless digital experience for purchasing insurance online
Terms and Conditions
- Entry age for the Policyholder: 21-64 years old
- Entry age for the Insured: 18-64 years old
Risks
Insurance products involve certain risks. These risks include, but are not limited to, the possibility of claim rejections and the chance of policy cancellation if premiums are not paid by the end of the Grace period.
Exclusions
- The death benefit for illnesses or diseases will not be paid if the insured dies from AIDS, suicide, attempted suicide, deliberate self-harm, or similar actions.
- The death benefit due to an accident will not be paid if the insured dies while engaging in dangerous activities or sports, such motor vehicle racing, flying, or aerial activities. However, benefits may be claimed for pilots, flight attendants, or passengers of scheduled aircraft who have the appropriate licenses or permits.
- The Hospital Inpatient Daily Cash Benefit, Intensive Care Unit Inpatient Daily Cash Benefit, and Surgical Benefit will not be payable if the Insured is hospitalized or requires surgery due to HIV-AIDS or pre-existing conditions.
For complete list of risks and exclusions, please refer to the Summary of Product and Service Information when applying for insurance.
Disclaimer
- This insurance product is issued by PT Asuransi Jiwa BCA (BCA Life) and is not a product or responsibility of PT Bank Central Asia Tbk (BCA). BCA serves solely as a facilitator for accessing BCA Life insurance products. This product is not guaranteed by BCA and does not fall under the guarantee program as outlined in statutory provisions regarding deposit insurance institutions.
- This product has received approval from the Financial Services Authority.
- BCA is not responsible for any information or materials contained in the marketing kit for this insurance product, nor for any amendments or other documents officially approved and/or issued by BCA Life.
- The use of the BCA logo and/or other BCA trademarks in marketing documents (if applicable) is solely intended to indicate the collaboration between BCA and BCA Life in insurance marketing.
- The Customer hereby indemnifies BCA from all forms of legal action from any party related to the purchase of insurance products referred by BCA.
- BCA & BCA Life are licensed and supervised by the Financial Services Authority.
Tabel Manfaat Hospital Care
Plan A
Uang Pertanggungan
Rp. 50,000,000
Manfaat Meninggal Dunia karena Sakit/Penyakit
Meninggal Dunia dalam 90 Hari sejak Tanggal Mulai Asuransi
100% pengembalian Premi yang telah dibayarkan
Meninggal Dunia setelah 90 Hari sejak Tanggal Mulai Asuransi
100% Uang Pertanggungan
Manfaat Meninggal Dunia karena Kecelakaan
100% Uang Pertanggungan
Asuransi Tambahan Hospital Care
Santunan Tunai Harian Rawat Inap Rumah Sakit (per Hari) maksimum 60 Hari per Tahun Polis
50,000
Santunan Tunai Harian Rawat Inap Unit Perawatan Intensif (per Hari) maksimum 30 Hari per Tahun Polis
100,000
Manfaat Tindakan Bedah (sesuai tagihan dengan total maksimum manfaat per Tahun Polis)
750,000
Plan B
Uang Pertanggungan
Rp. 100,000,000
Manfaat Meninggal Dunia karena Sakit/Penyakit
Meninggal Dunia dalam 90 Hari sejak Tanggal Mulai Asuransi
100% pengembalian Premi yang telah dibayarkan
Meninggal Dunia setelah 90 Hari sejak Tanggal Mulai Asuransi
100% Uang Pertanggungan
Manfaat Meninggal Dunia karena Kecelakaan
100% Uang Pertanggungan
Asuransi Tambahan Hospital Care
Santunan Tunai Harian Rawat Inap Rumah Sakit (per Hari) maksimum 60 Hari per Tahun Polis
100,000
Santunan Tunai Harian Rawat Inap Unit Perawatan Intensif (per Hari) maksimum 30 Hari per Tahun Polis
200,000
Manfaat Tindakan Bedah (sesuai tagihan dengan total maksimum manfaat per Tahun Polis)
1,500,000
Plan C
Uang Pertanggungan
Rp. 300,000,000
Manfaat Meninggal Dunia karena Sakit/Penyakit
Meninggal Dunia dalam 90 Hari sejak Tanggal Mulai Asuransi
100% pengembalian Premi yang telah dibayarkan
Meninggal Dunia setelah 90 Hari sejak Tanggal Mulai Asuransi
100% Uang Pertanggungan
Manfaat Meninggal Dunia karena Kecelakaan
100% Uang Pertanggungan
Asuransi Tambahan Hospital Care
Santunan Tunai Harian Rawat Inap Rumah Sakit (per Hari) maksimum 60 Hari per Tahun Polis
300,000
Santunan Tunai Harian Rawat Inap Unit Perawatan Intensif (per Hari) maksimum 30 Hari per Tahun Polis
600,000
Manfaat Tindakan Bedah (sesuai tagihan dengan total maksimum manfaat per Tahun Polis)
4,500,000
Plan D
Uang Pertanggungan
Rp. 500,000,000
Manfaat Meninggal Dunia karena Sakit/Penyakit
Meninggal Dunia dalam 90 Hari sejak Tanggal Mulai Asuransi
100% pengembalian Premi yang telah dibayarkan
Meninggal Dunia setelah 90 Hari sejak Tanggal Mulai Asuransi
100% Uang Pertanggungan
Manfaat Meninggal Dunia karena Kecelakaan
100% Uang Pertanggungan
Asuransi Tambahan Hospital Care
Santunan Tunai Harian Rawat Inap Rumah Sakit (per Hari) maksimum 60 Hari per Tahun Polis
500,000
Santunan Tunai Harian Rawat Inap Unit Perawatan Intensif (per Hari) maksimum 30 Hari per Tahun Polis
1,000,000
Manfaat Tindakan Bedah (sesuai tagihan dengan total maksimum manfaat per Tahun Polis)
7,500,000
| Hospital Care Benefits Table | Benefit Amount | |||
| Plan Type | Plan A | Plan B | Plan C | Plan D |
| Sum Assured | 50 Million | 100 Million | 300 Million | 500 Million |
| Death Benefit due to an Illness/Disease | ||||
| a. if death occurs within 90 days from the Insurance Commencement Date | 100% refund of the premium paid | |||
| b. if death occurs after 90 days from the Insurance Commencement Date | 100% of the Sum Assured | |||
| Death Benefit due to an Accident | 100% of the Sum Assured | |||
| Hospital Care Add-On | Benefit Amount | |||
| Hospital Daily Cash Benefit (per day) maximum of 60 days per Policy Year | 50,000 | 100,000 | 300,000 | 500,000 |
| Intensive Care Unit Inpatient Daily Cash Benefit (per day) maximum 30 days per Policy Year | 100,000 | 200,000 | 600,000 | 1,000,000 |
| Surgical Benefits (as billed, with a maximum total benefit per Policy Year) | 750,000 | 1,500,000 | 4,500,000 | 7,500,000 |
Fees
The only fee associated with this product is the premium. The amount of the premium depends on the chosen Sum Assured, the entry age and the gender of the Insured, as well as the Selected Sum Assured Plan. The premium paid also includes a commission for the bank.
View FAQ
How long is the Policy Review Period?
14 working days from the time the e-Policy is received via registered email.
What is the Waiting Period for applying for benefits under theMyGuard – Hospital Care package insurance?
- There is no Waiting period from the Insurance Commencement Date for MyGuard Basic Insurance and Hospital Care Add-on if hospitalization or surgical procedures occur due to an accident.
- There is a Waiting Period of 30 calendar days from the Insurance Commencement Date for Hospital Care Add-on if hospitalization or surgical procedures occur due to non-accidental reasons.
- There is a Waiting Period of 12 months from the Insurance Commencement Date for Hospital Care Add-on if hospitalization or surgical procedures occur due to certain diseases, such as diabetes mellitus, TBC, cancer, and all types of tumors. More details can be found in the Summary of Product and Service Information.
How do I submit a claim?
- Download the claim form from the bcalife.co.id website in the insurance claim form section.
- Complete the claim form with all necessary proof of claim documents accurately and thoroughly, then submit the claim documents as outlined in the Policy to BCA Life.
What is the Premium Payment Period for MyGuard - Hospital Care?
MyGuard Basic Insurance: 1 year, automatically renewed on the policy anniversary until the Insured reaches 98 years old.
Hospital Care Add-on: 1 year, automatically renewed on the policy anniversary until the Insured reaches 69 years old.
