MyGuard – Accident Care
Protect Yourself from Unexpected Events
None knows what the future holds
Insurance package that offers life protection and reimbursement for medical expenses due to accidents
Buy Now
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
Accidents are unpredictable
Safeguard yourself with the MyGuard Accident Care Insurance Package
ABOUT
IMPORTANT INFORMATION
BENEFITS & FEES
FAQ
Coverage
Life protection coverage due to illness/disease and accidents up to IDR1 Billion, with an additional life protection coverage for accidents up to IDR1 Billion, and reimbursement for medical treatment expenses due to accidents up to IDR25 million/year
Product Benefits
- Life protection against Illnesses/Diseases or Accidents of up to IDR1 Billion, with no medical checkup required
- Additional life protection for accidents of up to IDR1 Billion
- Reimbursement of medical treatment costs for accidents, according to the selected plan, up to IDR25 million/year
- 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.
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 Accidental 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 Accidental Care
Manfaat tambahan meninggal dunia karena kecelakaan
50 Million
Manfaat Penggantian Biaya Perawatan Medis karena Kecelakaan (maksimum per Tahun Polis)
1,250,000 (1,250,000 per incident)
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 Accidental Care
Manfaat tambahan meninggal dunia karena kecelakaan
100 Million
Manfaat Penggantian Biaya Perawatan Medis karena Kecelakaan (maksimum per Tahun Polis)
2,500,000 (2,500,000 per incident)
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 Accidental Care
Manfaat tambahan meninggal dunia karena kecelakaan
300 Million
Manfaat Penggantian Biaya Perawatan Medis karena Kecelakaan (maksimum per Tahun Polis)
7,500,000 (2,500,000 per incident)
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 Accidental Care
Manfaat tambahan meninggal dunia karena kecelakaan
500 Million
Manfaat Penggantian Biaya Perawatan Medis karena Kecelakaan (maksimum per Tahun Polis)
12,500,000 (2,500,000 per incident)
Plan E
Uang Pertanggungan
Rp. 1.000.000.000
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 Accidental Care
Manfaat tambahan meninggal dunia karena kecelakaan
1 Miliar
Manfaat Penggantian Biaya Perawatan Medis karena Kecelakaan (maksimum per Tahun Polis)
25.000.000 (2,500,000 per incident)
| Accidental Care Benefits Table | Benefit Amount | ||||
| Plan Type | Plan A | Plan B | Plan C | Plan D | Plan E |
| Sum Assured | 50 Million | 100 Million | 300 Million | 500 Million | 1 Billion |
| 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 | ||||
| Accidental Care Add-Ons | Benefit Amount | ||||
| Additional Death Benefit due to an Accident | 50 Million | 100 Million | 300 Million | 500 Million | 1 Billion |
| Accidental Medical Reimbursement Benefit (maximum per Policy Year) | 1,250,000 (1,250,000 per incident) | 2,500,000 (2,500,000 per incident) | 7,500,000 (2,500,000 per incident) | 12,500,000 (2,500,000 per incident) | 25,000,000 (2,500,000 per incident) |
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 the MyGuard - Accident Care package insurance?
There is no Waiting Period from the Insurance Commencement Date.
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 - Accident Care?
MyGuard Basic Insurance: 1 year, automatically renewed on the policy anniversary until the Insured reaches 98 years old.
Accident Care Add-on Insurance: 1 year, automatically renewed on the policy anniversary until the Insured reaches 69 years old.
