BCA Life Proteksi Jiwa Optima

BCA LIfe Proteksi Jiwa Optima

About

BCA Life Proteksi Jiwa Optima is a health insurance product which provides Death Benefits or Total and Permanent Disability due to natural causes or accidents. Other benefits include Return of Premium if the policyholder doesn’t die or is diagnosed with Total and Permanent Disability during the stated term. With the premium paying term of 10 (ten) years and coverage of 15 (fifteen) years, BCA Life Proteksi Jiwa Optima offers low-cost premium offered through Telemarketing.

Advantages

Provides protection against Death or Total and Permanent Disability that can occur anytime, anywhere.
Return of Premiums is paid in stages at the end of the level premium policy term (5, 10, and 15 years), if it is still in force.
As a financial guarantee against risks (complementary protection).
Competitive and fixed Premium throughout the paying term.
Ease of obtaining the product by phone with Telemarketer.

Key Benefits

Death Benefits due to natural causes or accidents.
Total and Permanent Disability benefits due to illnesses or accidents.
Return of Premium.

Privileges

Future Financial Protection for You and Family
BCA Life Proteksi Jiwa Optima guarantees financial protection for you and family in the future.
Affordable and Easy
Affordable premiums starting from Rp110,400 per month can be paid monthly or annually via auto0debit from BCA Savings Account or BCA Credit Card.
Attractive Premium Program: Pay 10 Years Get Additional 5 Years of Protection
Simply pay premiums for 10 years and you will get coverage for 15 years from BCA Life.
Cheaper Annual Payment
2 (two) times monthly premium discount for annualized payment.
Ease of Adding Spousal Coverage
Spouse will get a 5% premium discount.

Disclaimer

BCA Life Proteksi Jiwa Optima is an Insurance Product marketed specifically in collaboration between PT Asuransi Jiwa BCA (BCA Life) and PT Bank Central Asia Tbk (BCA)
The Insurance Product is not a product and responsibility of the Bank, thus is not included in the guarantee program, and the Bank shall not be responsible for any information issued by BCA Life
PT Asuransi Jiwa BCA and PT Bank Central Asia Tbk are registered with and overseen by the OJK

Terms and Conditions

Entry Age:

Policyholder: 21 - 55 years old
Spouse: 18 - 55 years old

Premium Payment: can be paid monthly or annually through auto-debit from BCA savings account or BCA credit card for 10 years.

Coverage Period: 15 years since the Policy is in force

Benefit Table

Benefit Table (in Rupiah)

Types of Benefit	Plan A	Plan B	Plan C	Plan D	Plan E
1. Death or Total and Permanent Disability	100 Million	200 Million	300 Million	400 Million	500 Million
2. Return of Premium Benefits: End of the 5^th policy year End of the 10^th policy year End of the 15^th policy year	10% of the total paid premiums 15% of the total paid premiums 80% of the total paid premiums

Note:

Return of Premium will be paid in stages if the policyholder doesn’t die or is diagnosed with Total and Permanent Disability during the Policy Period.
Return of Premium that has been paid will not reduce the amount of Death benefits or Total and Permanent Disability.

Plan Table and Monthly Premium (in Rupiah)

Age	Plan A		Plan B		Plan C		Plan D		Plan E
Age	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female
18 - 25	130,800	115,900	261,700	231,800	392,500	347,800	523,300	463,700	654,200	579,600
26 - 30	150,400	130,600	300,700	261,200	451,100	391,900	601,400	522,500	751,800	653,100
31 - 35	191,700	164,700	383,500	329,500	575,200	494,200	766,900	659,000	958,700	823,700
36 - 40	266,000	226,200	531,900	452,300	797,900	678,500	1,063,900	904,700	1,329,800	1,130,900
41 - 45	377,200	313,000	754,300	626,000	1,131,500	939,000	1,508,600	1,252,000	1,885,800	1,565,000
46 - 50	527,100	453,400	1,054,200	906,800	1,581,300	1,360,200	2,108,400	1,813,600	2,635,500	2,267,000
51 - 55	718,400	632,200	1,436,800	1,264,400	2,155,200	1,896,600	2,873,600	2,528,800	3,592,100	3,161,000

Fees

The amount of premium paid by the Policyholder includes acquisition cost, telemarketing charges, Policy maintenance, and commissions for the Bank.

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