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Terms & Conditions

Valid Until

BCA Life

MyGuard Product:

• 75% Premium Discount (Maximum of Rp250,000)

• 75% discount is given immediately at the time of transaction.
• Maximum discount of IDR 250,000.
• Use promo code: WEALTHPRO26 at checkout (non-autofill)
• This offer is valid for first premium payments only and applies to all payment methods.
• Applies to all My Guard products.

December 31, 2026

BCAinsurance

BCAinsurance product:

• 7.5% discount on Fire Insurance & PAR Insurance products.
• 10% discount on Motor Vehicle Insurance products.
• 15% discount on Travel Insurance products.
• Additional claim benefits:
  • Fire Insurance:
    • Accommodation Allowance:
      • BCA Prioritas: IDR 10 million
      • BCA Solitaire: IDR 15 million (Total Loss claims only)
    • 0% Installment Plan: minimum premium of IDR 500,000 (3-month installment)
• Motor Vehicle Insurance
  • Authorized Workshop: special rate of 0.1% for vehicles up to 5 years old.
  • 0% Installment Plan: minimum premium of IDR 3 million (6-month installment)
  • Claim Service: complimentary vehicle pick-up and delivery to the workshop, and Own Risk (OR) reduction
    (BCA Prioritas: OR reduction for one claim; BCA Solitaire: OR covered for one claim)

• The premium discount is subject to the completion of an application form and approval by the Head of KCU.
• This program is valid for new policies only and cannot be combined with other program benefits.
• The premium discount is applied through a direct reduction of the premium paid by the customer.
• Mechanism and Terms for Additional Claim Benefits Recipients:
  • Customers must present their BCA Prioritas or Solitaire card when submitting a claim.
  • The name stated on the policy must match the name shown on the membership card.
  • The policy period is valid until 1 January 2027 (effective and expiring at 12:00 WIB).
  • Claim reports must be submitted in accordance with the claim provisions stated in the insurance policy.

January 1, 2027

BCA Life

Reward discount for the purchase of BCA Life Heritage Protection (BHP) products.
Details of premium tiers and discount rewards:

• Valid for annual or single policy payments.
• For single payments, the APE is 10% of the single premium amount.
• The reward discount will be processed by BCA Life to the payor after the policy passes the free-look period, estimated at 60 calendar days from the policy’s effective date.
• Taxes arising from the reward are borne by BCA Life.

December 31, 2026

BCA Life

Safety Guard Critical Cover (STAR) Products:

• Applies to annual or single payment methods.
• For single payments, the APE is 10% of the single premium amount.
• The reward discount will be processed by BCA Life to the payor after the policy passes the free-look period, estimated at 60 calendar days from the policy's effective date.
• Taxes arising from the reward are borne by BCA Life.

December 31, 2026

AIA

• Extra +2% cashback applicable only for purchases of new MILA Plus / MVP policies with PHS Extra / PHS Saver Rider.

• Minimum Annual Premium Equivalent (APE) of IDR 50 million.
• Customers are required to complete a form from the AIA Sales Team to receive the extra cashback.

June 30, 2026

• Rewards for Purchasing a New Wealth Premier Protection (Premier Pro) Policy:

• Applicable only to annual payment policies that are approved (inforce) and not cancelled during the free-look period.
• Rewards in the form of cashback will be provided by AIA within an estimated 60 calendar days after the policy becomes inforce.

• Rewards for purchasing a new Wealth Premier Protection (Premier Pro) policy are as follows:

• Policy consolidation does not apply to the extra reward and is only applicable to policies with a minimum payment term of 5 Pay.