MyGuard - Critical Care
Critical illness can significantly affect your peace of mind. It’s essential to take steps for self-protection to maintain your well-being.
Stay calm even in tough times
The onset of illness, critical conditions, or accidents is often unexpected. With MyGuard, you can breathe a sigh of relief knowing you have self-protection coverage of up to IDR1 Billion without any medical check-ups
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
Protect Yourself Now.
The MyGuard – Critical Care insurance package combines MyGuard Basic Insurance with Critical Care Additional Insurance
ABOUT
IMPORTANT INFORMATION
BENEFITS & FEES
FAQ
Coverage
Life protection against illness or accidents and Critical care protection up to IDR1 billion.
Product Benefits
- Life protection against illness or accidents, including early-stage cancer and late-stage critical illnesses, up to IDR1 Billion without a medical check-up
- 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.
- Benefits for early-stage cancer and late-stage critical illness will not be payable if the Insured is diagnosed with a critical illness caused by HIV-AIDS for a pre-existing condition.
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 Critical 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 Critical Care 1)
50% Uang Pertanggungan dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kanker Tahap Awal
25 Million
100% Uang Pertanggungan setelah dikurangi Manfaat Penyakit Kanker Tahap Awal yang telah dibayarkan (jika ada) dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kritis Tahap Akhir
50 Million
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 Critical Care 1)
50% Uang Pertanggungan dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kanker Tahap Awal
50 Million
100% Uang Pertanggungan setelah dikurangi Manfaat Penyakit Kanker Tahap Awal yang telah dibayarkan (jika ada) dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kritis Tahap Akhir
100 Million
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 Critical Care 1)
50% Uang Pertanggungan dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kanker Tahap Awal
150 Million
100% Uang Pertanggungan setelah dikurangi Manfaat Penyakit Kanker Tahap Awal yang telah dibayarkan (jika ada) dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kritis Tahap Akhir
300 Million
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 Critical Care 1)
50% Uang Pertanggungan dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kanker Tahap Awal
250 Million
100% Uang Pertanggungan setelah dikurangi Manfaat Penyakit Kanker Tahap Awal yang telah dibayarkan (jika ada) dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kritis Tahap Akhir
500 Million
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 Critical Care 1)
50% Uang Pertanggungan dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kanker Tahap Awal
500 Million
100% Uang Pertanggungan setelah dikurangi Manfaat Penyakit Kanker Tahap Awal yang telah dibayarkan (jika ada) dengan besar manfaat sebagai berikut:
Manfaat Penyakit Kritis Tahap Akhir
1 Miliar
| Critical 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 | ||||
| Critical Care Add-Ons 1) | Benefit Amount | ||||
| Early-Stage Cancer Benefits | 50% of the Sum Assured with the benefit amount as follows: | ||||
| 25 Million | 50 Million | 150 Million | 250 Million | 500 Million | |
| Late-Stage Critical Illness Benefits | 100% of the Sum Assured, minus any Early-Stage Cancer Benefits claimed (if applicable), with the benefit amount as follows: | ||||
| 50 Million | 100 Million | 300 Million | 500 Million | 1 Miliar | |
1) if any Additional Critical Care Insurance benefits have been paid, they will reduce the amount of the Basic Insurance Sum Assured (on an accelerated basis).
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 - Critical Care package insurance?
There is no Waiting Period for the MyGuard Basic Insurance from the Insurance Commencement Date. However, there is a Waiting Period of 90 calendar days from the Insurance Commencement Date for Critical Care Add-on.
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 - Critical Care?
The Premium Payment Period for both MyGuard Basic & Critical Care Add-on is 1 year, and it is automatically renewed on the policy anniversary until the Insured reached 98 years old.
