•

2
3
4
Product Features

5
6
 Syarat Kepesertaan

•
•
•
•
•
•
•

7
 Contoh Ilustrasi
Usia Tertanggung 35 Premi 47.180.000
Uang Pertanggungan 1 milyar Jenis Kelamin Laki laki
Frekuensi Pembayaran Premi Tahunan

Manfaat Meninggal Dunia Manfaat Penebusan Polis

Nilai Tunai dari
Nilai Nilai Pertanggungan
Total Manfaat Nilai Tunai Yang Nilai
Umur Polis ke- Usia Tertanggung Uang Pertanggungan Pertanggungan Tambahan yang Total Nilai Tunai*
Meninggal Dunia Dijamin Pertanggungan
Tambahan* diakumulasikan*
Tambahan*
(Rp 000) (Rp 000) (Rp 000) (Rp 000) (Rp 000) (Rp 000) (Rp 000)
a b c d e f=(c+e) f g h=(f+g)
1 36 1,000,000 0 0 1,000,000 11,795 0 11,795
2 37 1,000,000 0 0 1,000,000 22,048 0 22,048
3 38 1,000,000 15,000 15,000 1,015,000 50,193 1,512 51,705
4 39 1,000,000 15,338 30,338 1,030,338 80,005 3,217 83,222
5 40 1,000,000 15,683 46,020 1,046,020 111,583 5,135 116,718
6 41 1,000,000 16,035 62,056 1,062,056 117,399 7,285 124,684
7 42 1,000,000 16,396 78,452 1,078,452 123,506 9,689 133,195
8 43 1,000,000 16,765 95,217 1,095,217 129,922 12,371 142,293
9 44 1,000,000 17,142 112,359 1,112,359 136,648 15,354 152,001
10 45 1,000,000 17,528 129,887 1,129,887 143,674 18,661 162,335
15 50 1,000,000 19,591 223,624 1,223,624 183,551 41,046 224,597
20 55 1,000,000 21,896 328,391 1,328,391 231,431 76,000 307,431
30 65 1,000,000 27,353 576,363 1,576,363 355,771 205,053 560,824
40 75 1,000,000 34,169 886,131 1,886,131 516,766 457,922 974,688
50 85 1,000,000 42,684 1,273,093 2,273,093 684,475 871,400 1,555,875
60 95 1,000,000 53,321 1,756,488 2,756,488 825,409 1,449,821 2,275,230
64 99 1,000,000 58,285 1,982,043 2,982,043 1,000,000 1,982,043 2,982,043
*Nilai Pertanggungan Tambahan beserta akumulasinya tidak dijamin

8
9
Tabel Medis Underwriting

10
 Tunggal 5 10 15 20
Usia
Pria Wanita Pria Wanita Pria Wanita Pria Wanita Pria Wanita
1 54,370,000 48,190,000 2,427,000 2,347,000 1,441,000 1,321,000 1,221,000 1,156,000 1,172,000 1,148,000
2 56,250,000 49,860,000 2,443,000 2,359,000 1,442,000 1,322,000 1,222,000 1,157,000 1,173,000 1,149,000
3 58,270,000 51,650,000 2,460,000 2,371,000 1,451,000 1,328,000 1,230,000 1,162,000 1,181,000 1,156,000
4 60,390,000 53,530,000 2,478,000 2,385,000 1,462,000 1,336,000 1,239,000 1,169,000 1,189,000 1,165,000
5 62,630,000 55,510,000 2,498,000 2,400,000 1,463,000 1,408,000 1,260,000 1,220,000 1,190,000 1,163,000
6 65,000,000 57,610,000 2,522,000 2,416,000 1,476,000 1,417,000 1,268,000 1,226,000 1,196,000 1,167,000
7 67,280,000 59,630,000 2,550,000 2,433,000 1,491,000 1,428,000 1,279,000 1,234,000 1,204,000 1,172,000
8 69,700,000 61,780,000 2,580,000 2,452,000 1,507,000 1,442,000 1,292,000 1,242,000 1,213,000 1,178,000
9 72,250,000 64,040,000 2,614,000 2,473,000 1,526,000 1,456,000 1,307,000 1,251,000 1,225,000 1,184,000
10 74,930,000 66,410,000 2,651,000 2,496,000 1,547,000 1,471,000 1,324,000 1,264,000 1,238,000 1,191,000
11 77,740,000 68,910,000 2,690,000 2,524,000 1,571,000 1,487,000 1,344,000 1,276,000 1,254,000 1,203,000
12 80,660,000 71,490,000 2,732,000 2,554,000 1,598,000 1,505,000 1,366,000 1,290,000 1,271,000 1,213,000
13 83,670,000 74,160,000 2,776,000 2,587,000 1,627,000 1,524,000 1,389,000 1,304,000 1,289,000 1,224,000
14 86,750,000 76,890,000 2,821,000 2,621,000 1,658,000 1,545,000 1,412,000 1,320,000 1,307,000 1,236,000
15 89,880,000 79,670,000 2,866,000 2,657,000 1,691,000 1,566,000 1,435,000 1,337,000 1,324,000 1,248,000
16 93,050,000 82,480,000 2,914,000 2,695,000 1,725,000 1,589,000 1,458,000 1,356,000 1,342,000 1,261,000
17 96,280,000 85,340,000 2,963,000 2,735,000 1,762,000 1,612,000 1,482,000 1,375,000 1,361,000 1,275,000
18 99,570,000 88,250,000 3,014,000 2,778,000 1,801,000 1,641,000 1,506,000 1,395,000 1,376,000 1,289,000
19 102,960,000 91,260,000 3,067,000 2,823,000 1,838,000 1,672,000 1,530,000 1,416,000 1,393,000 1,304,000
20 106,460,000 94,360,000 3,124,000 2,871,000 1,876,000 1,706,000 1,555,000 1,438,000 1,410,000 1,320,000
11
 Tunggal 5 10 15 20
Usia
Pria Wanita Pria Wanita Pria Wanita Pria Wanita Pria Wanita
21 110,100,000 97,590,000 3,184,000 2,922,000 1,917,000 1,744,000 1,580,000 1,461,000 1,428,000 1,337,000
22 113,900,000 100,960,000 3,247,000 2,976,000 1,960,000 1,781,000 1,607,000 1,486,000 1,447,000 1,355,000
23 117,910,000 104,510,000 3,316,000 3,033,000 2,006,000 1,822,000 1,635,000 1,512,000 1,468,000 1,373,000
24 122,110,000 108,230,000 3,389,000 3,095,000 2,054,000 1,864,000 1,665,000 1,539,000 1,490,000 1,394,000
25 126,540,000 112,160,000 3,470,000 3,160,000 2,105,000 1,910,000 1,696,000 1,568,000 1,514,000 1,416,000
26 131,200,000 116,290,000 3,563,000 3,229,000 2,159,000 1,957,000 1,729,000 1,598,000 1,542,000 1,438,000
27 136,100,000 120,630,000 3,662,000 3,302,000 2,217,000 2,006,000 1,766,000 1,629,000 1,571,000 1,461,000
28 141,250,000 125,200,000 3,768,000 3,379,000 2,277,000 2,058,000 1,809,000 1,661,000 1,602,000 1,486,000
29 146,640,000 129,970,000 3,881,000 3,468,000 2,341,000 2,111,000 1,851,000 1,696,000 1,636,000 1,514,000
30 152,280,000 134,970,000 4,002,000 3,565,000 2,409,000 2,168,000 1,896,000 1,734,000 1,672,000 1,543,000
31 158,170,000 140,190,000 4,130,000 3,669,000 2,481,000 2,228,000 1,944,000 1,775,000 1,711,000 1,575,000
32 164,320,000 145,650,000 4,266,000 3,780,000 2,557,000 2,292,000 1,995,000 1,818,000 1,751,000 1,610,000
33 170,730,000 151,330,000 4,400,000 3,888,000 2,638,000 2,359,000 2,050,000 1,864,000 1,798,000 1,647,000
34 177,400,000 157,240,000 4,555,000 4,015,000 2,722,000 2,430,000 2,108,000 1,909,000 1,843,000 1,685,000
35 184,340,000 163,390,000 4,718,000 4,148,000 2,810,000 2,501,000 2,169,000 1,959,000 1,893,000 1,724,000
36 191,560,000 169,790,000 4,890,000 4,289,000 2,903,000 2,583,000 2,234,000 2,012,000 1,944,000 1,769,000
37 199,040,000 176,420,000 5,072,000 4,437,000 2,999,000 2,669,000 2,303,000 2,071,000 1,998,000 1,814,000
38 206,820,000 183,320,000 5,264,000 4,595,000 3,100,000 2,750,000 2,376,000 2,129,000 2,059,000 1,859,000
39 214,860,000 190,440,000 5,467,000 4,761,000 3,206,000 2,840,000 2,455,000 2,191,000 2,119,000 1,910,000
40 223,190,000 197,820,000 5,681,000 4,937,000 3,318,000 2,934,000 2,538,000 2,258,000 2,184,000 1,964,000
12
 Tunggal 5 10 15 20
Usia
Pria Wanita Pria Wanita Pria Wanita Pria Wanita Pria Wanita
41 231,800,000 205,460,000 5,906,000 5,124,000 3,430,000 3,034,000 2,625,000 2,328,000 2,253,000 2,023,000
42 240,690,000 213,340,000 6,143,000 5,321,000 3,555,000 3,137,000 2,717,000 2,404,000 2,327,000 2,083,000
43 249,880,000 221,480,000 6,392,000 5,528,000 3,690,000 3,243,000 2,814,000 2,483,000 2,405,000 2,145,000
44 259,370,000 229,890,000 6,676,000 5,746,000 3,833,000 3,363,000 2,917,000 2,570,000 2,488,000 2,209,000
45 269,160,000 238,570,000 6,956,000 5,976,000 3,983,000 3,484,000 3,025,000 2,659,000 2,577,000 2,277,000
46 279,260,000 247,520,000 7,252,000 6,220,000 4,143,000 3,613,000 3,140,000 2,753,000 2,672,000 2,354,000
47 289,680,000 256,760,000 7,563,000 6,479,000 4,320,000 3,752,000 3,262,000 2,853,000 2,774,000 2,435,000
48 300,430,000 266,290,000 7,889,000 6,750,000 4,497,000 3,901,000 3,391,000 2,959,000 2,882,000 2,521,000
49 311,530,000 276,130,000 8,229,000 7,036,000 4,682,000 4,059,000 3,525,000 3,071,000 2,996,000 2,614,000
50 322,960,000 286,260,000 8,584,000 7,335,000 4,875,000 4,226,000 3,666,000 3,191,000 3,116,000 2,714,000
51 334,730,000 296,690,000 8,952,000 7,671,000 5,074,000 4,400,000 3,810,000 3,315,000 3,239,000 2,817,000
52 346,850,000 307,430,000 9,332,000 8,001,000 5,276,000 4,578,000 3,959,000 3,443,000 3,367,000 2,924,000
53 359,300,000 318,510,000 9,731,000 8,346,000 5,489,000 4,762,000 4,116,000 3,576,000 3,504,000 3,035,000
54 372,050,000 330,270,000 10,150,000 8,707,000 5,715,000 4,955,000 4,284,000 3,715,000 3,653,000 3,152,000
55 385,100,000 342,320,000 10,588,000 9,085,000 5,955,000 5,156,000 4,464,000 3,860,000 3,815,000 3,277,000
56 398,460,000 354,700,000 11,076,000 9,482,000 6,210,000 5,367,000 4,657,000 4,014,000
57 412,120,000 367,450,000 11,564,000 9,899,000 6,480,000 5,590,000 4,864,000 4,179,000
58 426,080,000 379,570,000 12,073,000 10,338,000 6,763,000 5,828,000 5,083,000 4,357,000
59 440,370,000 390,320,000 12,601,000 10,788,000 7,059,000 6,080,000 5,313,000 4,548,000
60 454,980,000 403,270,000 13,150,000 11,308,000 7,371,000 6,350,000 5,559,000 4,752,000

13
 Tunggal 5 10 15 20
Usia
Pria Wanita Pria Wanita Pria Wanita Pria Wanita Pria Wanita
61 469,890,000 416,490,000 13,720,000 11,814,000 7,685,000 6,628,000
62 490,000,000 434,310,000 14,315,000 12,339,000 8,029,000 6,916,000
63 515,580,000 456,990,000 14,939,000 12,889,000 8,394,000 7,220,000
64 531,890,000 471,440,000 15,580,000 13,459,000 8,782,000 7,541,000
65 548,420,000 486,090,000 16,247,000 14,054,000 9,190,000 7,879,000
66 570,500,000 505,660,000 16,945,000 14,676,000
67 593,100,000 526,900,000 17,672,000 15,327,000
68 613,370,000 546,680,000 18,426,000 16,004,000
69 634,010,000 566,940,000 19,210,000 16,710,000
70 658,020,000 590,380,000 19,999,000 17,420,000

Note :
- Apabila UP 500 Juta maka Premi dibagi 2 (dua) dari Tabel Premi diatas
- Apabila UP 2 Milyar maka Premi dikalikan 2 (dua) kali dari Tabel Premi diatas
- Apabila Pembayaran Premi Tahunan maka dikalikan 10 (sepuluh bulan ) dari Premi bulanan diatas
- Bagi Karyawan Grup BCA akan mendapatkan Discount 8% selama masa pembayaran Premi

14
15