Get Discounts of Up to IDR 5 Million for Insurance Applications from BCA Life!

Amidst the current economic challenges, having accuracy for your financial management is crucial. One essential allocation to consider is protection to safeguard your finances and those of your family against unforeseen risks, such as critical illness or the loss of a family member. BCA and BCA Life offer protection solutions that can be tailored to meet the specific needs of you and your family.

Plan Life Insurance and Critical Illness Insurance from BCA Life and enjoy a Cashback/Discount of up to IDR5 Million with the following terms and conditions:

Terms and Conditions of the Program:

1. The insurance application period refers to the submission date or closing date of the e-SPAJ (Life Insurance Application Letter) according to the program
2. This program cannot be combined with other ongoing programs
3. For the period from April 1^st – 13^th, 2025:
   • Cashback Program applies in accordance with the nominal discount tiers for BHP products (single and annual) and STAR products (annual). The cashback is calculated based on the first-year base premium and does not apply to additional premiums (if any) or renewal premiums.
   • The Cashback program is available only for policies issued by April 20^th, 2025.
   • Cashback will be processed by BCA Life to the Payor’s account/credit card within an estimated 60 calendar days from the policy being in force
   • Taxes arising from the cashback payments will be borne by BCA Life.
4. For the period from April 14^th – July 31^st, 2025:
   • Discount program applies to the first-year base premium and does not apply to additional premiums (if any) or renewal premiums.
   • The program will be applied directly to the first-year base premium paid under the following conditions:
     • The discount program is available only for policies issued by August 7^th, 2025.
     • Payment via BCA Credit Card/Debit Card with the Autodebit method.
     • For the BHP product, applicable for single and annual payments. For single payments, the premium considered for the discount is 10% of the single premium.
     • For the STAR product, applicable for annual payments and can be combined with the BCA 0% Installment Program (3-month tenor) for the first-year policy payment using a BCA Credit Card-branded BCA Card.

Here’s the scenarios of the benefit you could receive:

BCA Life Heritage Protection

1. Cashback Benefit: Annual Payment
   Mr. Nabil is a 45-year-old lawyer with three children. During a visit to a BCA branch, Mr. Nabil became interested in the benefits of BCA Life Heritage Protection, which offers a policy loan that can be used as needed. He purchased BCA Life Heritage Protection with an annual premium of IDR208,680,000, with a 5-year payment term on April 8^th, 2025. Once the policy is in force, Mr. Nabil will receive:
   • Life coverage up to age 99 with a sum insured of IDR3 billion
   • Cashback IDR3,250,000 (based on the first-year premium payment), in accordance with the program's BHP tiering table).
2. Cashback Benefit: Single Payment
   Mrs. Nuru is a 40-year-old lawyer with two children, and was interested in purchasing life insurance through BCA Life Heritage Protection during a visit to a BCA branch. She chose a single premium payment of IDR593,460,000 on April 8^th, 2025. Once the policy is in force, Mrs. Nurul will receive:
   • Life coverage until the age of 99 with a Sum Assured of IDR3 billion
   • Cashback IDR750,000 (based on the single premium payment multiplied by 10%), in accordance with the program's BHP tiering table.
3. Discount Benefit: Annual Payment
   Ms. Celine is a 30-year-old data scientist manager with two young children. During a visit to a BCA branch, Ms. Celine became interested in the benefits of BCA Life Heritage Protection offered by a Financial Advisor. She decided to purchase BCA Life Heritage Protection with an annual premium of IDR124,775,000, with a 5-year payment term starting in June 2025. Ms. Celine will receive:
   • Life coverage up to age 99 with a sum insured of IDR3.5 billion
   • Discount IDR1,500,000 (based on the first-year premium payment)
     As a result, Mrs. Celine's first-year premium will only amount to IDR123,275,000 (first-year premium minus the discount, in accordance with the program's BHP tiering table).
4. Discount Benefit: Single Payment
   Mr. Jeremy is a 24-year-old traveler, applied for BCA Life Heritage Protection with a single premium payment of IDR 366,330,000 on April 30, 2025. Once the policy is in force, Mr. Jeremy will receive:
   • Life coverage until the age of 99 with a sum assured of IDR3 billion
   • Discount IDR350,000 (based on the first-year premium payment multiplied by 10%)
   • Jeremy's first-year premium will only be IDR365,980,000 (first-year premium minus the discount, in accordance with the program's BHP tiering table).

Safety Guard Critical Cover (STAR)

1. Discount Benefit: Annual Payment
   Mrs. Cynthia is a 28-year-old content creator, who decided to purchase the Safety Guard Critical Cover (STAR) insurance to protect her financial future from the risks of critical illness. She opted for an annual premium payment of IDR22,500,000. Once the policy is in force, Mrs. Cynthia will receive:
   • Coverage for critical illness with a Sum Assured of IDR2 billion
   • Discount IDR250,000 (based on the first-year premium payment), in accordance with the program's STAR tiering table.
   • Cynthia's first-year premium will be reduced to IDR22,250,000.

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)