In life, uncertainties are inevitable. However, the good news is that there are ways to prepare for such risks by using insurance as a key tool to mitigate financial risk. With insurance, you can have peace of mind knowing that financial protection is in place to support your family's needs in case unforeseen circumstances occur.
Apply for Life Insurance and Critical Illness Insurance from BCA Life and get cashback of up to IDR15 Million, with the following terms:
| Product | The application period is until February 19th, 2025 | |
| Annual Premium | Cashback Amount | |
|
BCA Life Heritage Protection |
≥ IDR25 Million s.d < IDR50 Million |
IDR600 Thousand |
|
≥ IDR50 Million s.d < IDR100 Million |
IDR1,15 Million |
|
|
≥ IDR100 Million s.d < IDR200 Million |
IDR2,75 Million |
|
|
≥ IDR200 Million s.d < IDR300 Million |
IDR6 Million |
|
|
≥ IDR300 Million |
IDR15 Million |
|
|
Safety Guard Critical Cover (STAR) |
≥ IDR12 Million s.d < IDR25 Million |
IDR350 Thousand |
|
≥ IDR25 Million s.d < IDR50 Million |
IDR750 Thousand |
|
|
≥ IDR50 Million s.d < IDR75 Million |
IDR1,5 Million |
|
|
≥ IDR75 Million s.d < IDR100 Million |
IDR3,25 Million |
|
Terms and Conditions of the Program:
- The insurance application period refers to the date of signing the SPAJ (Life Insurance Application Letter)
- The cashback program is only applicable to the first-year premium payment
- Additional premiums are excluded from cashback reward
- Valid for annual or single premium payments for BHP and annual premium payments for STAR
- For single premium payments, cashback will be calculated based on 10% of the single premium amount
- This program cannot be combined with other ongoing programs
- Cashback will be processed by BCA Life to the payor's account (the insurance premium payer) within an estimated 60 calendar days from the policy being in force
- Taxes arising from cashback payments will be borne by BCA Life
- The policy must be issued by February 26, 2025
- For STAR products, this program can be combined with BCA 0% Installment for 3 months using a BCA Credit Card for the first year.
Here’s the scenarios of the cashback you could receive:
Scenario #1
Mr. Thomas is a successful 35-year-old entrepreneur, seeks to ensure his business continuity in the event of his passing. He applies for the BCA Life Heritage Protection insurance with an annual premium of IDR 250 million, and a 10-year payment term, starting in February 2025. After his policy is in force, Mr. Thomas will receive:
- Life coverage up to the age of 99 with a sum assured of IDR 7 billion
- Terminal Illness benefit: 20% of the sum assured
- Cashback: IDR6 million
Scenario #2
Mrs. Maria is a 40-year-old career woman. To protect herself and ensure her children's living expenses in case of her passing, Mrs. Maria allocates a portion of her savings to purchase BCA Life Heritage Protection insurance with a single premium of IDR600 Million in February 2025. After her policy is in force, Mrs. Maria will receive:
- Life coverage up to the age of 99 with a sum assured of IDR 3 billion
- Terminal Illness benefit: 20% of the sum assured
- Cashback: IDR1.15 Million (Cashback is calculated based on 10% of the single premium 10% x IDR600 Million = IDR 60 Million)
Scenario #3
Mr. Nardi is a 45-year-old businessman and father of an 8-year-old child, has a high level of activity and mobility. To protect his family’s finances from the risk of critical illness, Mr. Nardi purchases the Safety Guard Critical Cover (STAR) insurance with a first-year premium of IDR67,620,000. After his policy is in force, Mr. Nardi will receive:
- Cashback: IDR1.5 Million
- Critical illness coverage for one year with a sum assured of IDR2 Billion
For further information, please contact the Financial Advisor at your nearest BCA branch
Important Information:
BCA and BCA Life licensed and supervised by Financial Services Authority (OJK) and Bank Indonesia.
BCA is member of Indonesia Deposit Insurance Corporation (LPS)
