Proteksiku Tetap

ProteksiKu is a Credit Life product available for the customers of PT Bank CTBC Indonesia which protect against the Risk of Death suffered by credit or loan customer.

  • Why should I choose this plan

    The Main benefit of ProteksiKu is the paid remaining loan principal for the customers of PT Bank CTBC with the 50%, 75%, or 100% factor from Initial Loan, if the Insured (debtor) died due to a reasonable causes or Accident within the insurance coverage period. This benefit do not include the payment of arrears and interest  

    The Advantage of ProteksiKu :

    • Coverage Period until the Insured age 75 years.
    • Fixed premium within insurance coverage
    • No additional charge.
    • Premium payment at once.
    • Maximum Sum Insured IDR 20,000,000,000
    • Refund of Premium will be paid proportionally if the Customer paying off loans faster than the loan term

    ProteksiKu Menurun is sold through the Bancassurance Channel of , Bank CTBC Indonesia. ProteksiKu Menurun is the insurance product of PT. Zurich Topas Life (life insurance Company that’s registered and controlled by the Financial Services Authority of Indonesia) offered through Bank CTBC Indonesia and not included in the government protection program.

  • How does this plan works

    Length of Coverage

    Until 75 years old


    Based on Entry Age and Coverage Period based on Credit Agreement

    Premium Payment Frequency

    Single premium

    Underwriting Method

    Full Underwriting



  • Who’s eligible for this plan
    25 years old – 64 years old (last birthday)

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