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)

Contact Us



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