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Affordable Premium
Affordable Premium

Premiums start from IDR200 thousand/year

Easy and Fast Process
Easy and Fast Process

Helping insurers to settle claims more effectively

Easy Premium Payment
Easy Premium Payment

Through auto-debit or virtual account

Purchase Online
  1. Primary Guarantee:
    • Fire
    • Lightning Strike
    • Explosion
    • Hit by Airplane Crash 
    • Smoke
  2. Extended Guarantee:
    • Flood, Hurricane, Typhoon, and Water Damage
    • Motor Vehicle Damage
    • Riots, Strikes, Malicious Damage, and Civil Commotion
    • Terrorism and Sabotage
    • Earthquake, Volcano Eruption, and Tsunami

Risk

Insurance products carry risks, including but not limited to credit risk and policy cancellation risk.

Exclusion

This coverage does not guarantee losses or damages to property caused by theft risks, intentional acts, and unlawful acts.

Further details about exclusions can be accessed through the brochure.

  • BCA and BCAinsurance are licensed and supervised by the Financial Services Authority and Bank Indonesia.
  • This product is an insurance product of PT Asuransi Umum BCA (BCAinsurance) and is not a product of BCA. BCA is not responsible for these insurance products.
  • In full

Insurance Fees

Fee

Description

Insurance Fee

The premium depends on the amount of sum insured

Endorsement Administration Fee

Charged if there is a change in Insured Object Value, Occupation, and Guarantee

Administration Fees 

Type of Premium (Rp)

Administration Fee (Rp)

 < Rp 5,000,000

Rp25,000

 ≥Rp 5,000,000

Rp35,000

Personal Risk Fees 

Guarantee

Personal Risk

Fire, Strike by Lightning, Explosion, Hit by Airplane Crash, Smoke

Home & Home Office: NIL

Shophouse: 5% of the agreed loss value or 0.1% of the total insured value

Floods, Hurricane, Typhoon, and Water Damage

10% of the agreed claim

Motor Vehicle Damage, Demolition

Rp2.5 million/accident

Riots, Strikes, Malicious Damage, Civil Commotion

10% of the minimum claim value of Rp10 million

Terrorist Act and Acts of Sabotage 

The amount will be determined at the time of claim filing 

Earthquake, Volcano Eruption, and Tsunami

2.5% of the Sum Insured 
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  • BCA branch office

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For this Fire Insurance, you only make a premium payment once for a coverage period of 1 year and can be extended.

You must immediately notify the Insurer (BCAinsurance) in writing or orally via Halo BCA (1500888) no later than 7 calendar days from the date of the incident.

You can buy Fire Insurance to cover:

  1. Building
  2. Content (furniture, fixtures/equipment)
  3. Stock (inventory of goods)

Fire Insurance does not cover:

  1. Motorized Vehicles (used as vehicles, not stock)
  2. Precious metals, jewelry, precious stones
  3. Antiques/art
  4. Shares and securities
  5. Other software