Unit link products are investment products that combine protection functions and investment functions.

Your investment funds can be monitored through :

• Calling our contact center: Dial 1-500-045.
• Accessing our customer portal: Go to Portal → Customer Portal on our website.
• Using WhatsApp: Send a message in this format: SALDO [space] policy number to 0815-4150-0045.
• Using our bPOS service: Access bPOS through our website.
• Sending an email: Contact us at care@bni-life.co.id.
• Using our live chat: Available on our website www.bni-life.co.id.
• Visiting our Information Center or BNI Life Customer Center: For locations, please visit Contact → Customer Care.

The formula for calculating the development of your investment fund is:

“Total Number of Investment Units x Applicable Unit Price”

Example :

• Number of Units     : 9.457,3115
• Unit Price applies   :  IDR 2.234,2114
• Investment Value   :  9.457,3115 x IDR 2.234,2114 = IDR 21.129.633,1666

You can make changes to your policy by:

• Using our bPOS service: Access bPOS through our website.
• Visiting our Information Center or BNI Life Customer Center: For locations, please visit Contact → Customer Care.
• Going to the nearest BNI Branch or BNI Life Marketing Office: For a complete list, visit Contact → Marketing Agents and Contact → Marketing Offices.
• Bringing the following documents: Original policy, valid ID, savings account book, and supporting documents for the changes you want to make.

Unit Link is an investment portfolio consisting of various investments in securities. The rise and fall of the unit price is caused by the prevailing market price.

You can withdraw some cash value by :

A. Cash Value Loan Application The requirements are as follows:

1. A policy loan can be made if the insurance policy already has a cash value and is in active status.
2. The minimum loanable amount is IDR 1,000,000, and the maximum is 80% of the total cash value. The interest rate is determined by PT BNI Life Insurance.
3. Fill out the policy loan application form, attach a copy of the passbook, and a photocopy of a valid ID.
4. Applications can be submitted through the BPOS service, accessible via this website by clicking on the BPOS menu.
    

B. You can cancel the policy and receive the accrued Cash Value (if available). The requirements are as follows:

1. Fill out the policy cancellation application form, attach the Policy Document/Summary, a copy of the passbook, and a photocopy of a valid ID.

Policyholders and heirs can be changed as long as there is an Insurable Interest with the insured. However, the insured cannot be changed.

Inpatient / Birth Care claim submission requirements :

• Reimbursement claim submission form
• Original Receipt (doctor/medicine/laboratory examination fee).
• Hospital-issued Medical Resume.
• Details of maintenance costs.
• Copy of recipe (if any).
• Copy of lab results (if any).

Outpatient claim submission requirements :

• Reimbursement claim submission form.
• Original Receipt (doctor/medicine/laboratory examination fee).
• Outpatient Form filled out by the treating doctor or medical diagnosis given by the treating doctor.
• Copy of recipe (if any).
• Copy of lab results (if any).

Requirements for submitting a Glasses claim :

• Reimbursement claim submission form.
• Original Receipt (doctor/optician fee), if the price of glasses is more than Rp 1 million, the optics must provide a stamped receipt.
• Outpatient Form filled out by the treating doctor (if any).
• The size of the lens from the doctor and optician.

You can check by accessing your customer portal which can be accessed on the home page on this website. The claim payment is made by bank transfer to the employee's payroll account.

For claims of participants whose claim status is pending, it means that there are files that have not been completed at the time of submitting the first claim. In order for the payment to be processed immediately, all the completeness of the requested claim must be completed.

Yes, and this procedure is called Coordination of Benefits (COB). If BNI Life is the first guarantor, then you can simply fill out the Coordination of Benefit Request Form, and we will process your request once the bill from the Hospital/Clinic for related treatments is received.

Conversely, if you want to claim excess treatment bills from other insurance to BNI Life. You simply submit a COB letter issued by other insurance to BNI Life, and we will process it according to your benefits.

The conditions are as follows :

• Fill out the Optima Cash Plan (OCP) application form
• Copy of medical resume / certificate from the hospital stamped and signature of the treating doctor, which contains :

1. The date of treatment is the date of admission and date of discharge of the hospital
2. Medical diagnosis

You and your partner get health benefits, daily hospitalization benefits until your Optima Group Saving balance runs out.

Yes, with the following conditions :

• Participants must visit the BNI Life Walk-In Customer Service or BNI Life Service Office in person. If represented by a registered spouse or family member, they must bring the participant's membership card.
• The claim reimbursement amount or compensation must be ≤ IDR 10 million.
• All required documents must be complete and not require further verification (including policy exclusions).
• Fill out the claim form within 25 minutes.
• The participant must provide a BNI In-house bank account in their name.
• Applications can also be submitted via WhatsApp at +62 811-8331-946.

BNI Life has collaborated with more than 1500 partners of hospitals and clinics throughout Indonesia. You can see a complete list of BNI Life provider partners and updates on the website by clicking → Directory Services.

It's very easy, you just need to show your participant card before treatment to the Hospital/Clinic administration officer, and the officer will process your treatment guarantee according to the flow and benefits available.

You can make a reimbursement claim if you seek treatment at a doctor/clinic/hospital that has not collaborated with Admedika.

The reimbursement claim requirements are as follows:

Inpatient / Birth Care claim submission requirements :

• Reimbursement claim submission form.
• Original Receipt (doctor/medicine/laboratory examination fee).
• Hospital-issued Medical Resume.
• Details of maintenance costs.
• Copy of recipe (if any).
• Copy of lab results (if any).

Outpatient claim submission requirements :

• Reimbursement claim submission form.
• Original Receipt (doctor/medicine/laboratory examination fee).
• Outpatient Form filled out by the treating doctor or medical diagnosis given by the treating doctor.
• Copy of recipe (if any).
• Copy of lab results (if any).

Requirements for submitting a Glasses claim :

• Reimbursement claim submission form.
• Original Receipt (doctor/optician fee), if the price of glasses is more than Rp 1 million, the optics must provide a stamped receipt.
• Outpatient Form filled out by the treating doctor (if any).
• Lens size from doctor and optic.

Yes, The requirements for a 25-minute claim to be processed are as follows :

• The company is active in the BNI Life system.
• Beneficiary accounts registered in the system are employee accounts/not company accounts.
• Participants/families come alone to the Walk In Centre/Service Support.
• The number of applications < IDR 10 million/submission.
• Claims that can be processed are Inpatient, Outpatient, Dental Care, One Day Care/Surgery, Maternity Care and Glasses.
• Complete claim documents, following the claim requirements on group health insurance.

The claim file will be paid 10 (ten) working days since the claim is received completely by BNI Life Insurance Head Office.

You can contact the HRD of the company where the deceased / mah worked or come to come directly to BNI Life Customer Care whose list you can see on this website by clicking Contact → Contact Us and scroll down.

The conditions are :

• Death Certificate.
• Family Card.
• ID card of the deceased/mah and heirs.
• Copy of passbook.
• Original policy.

You can contact our contact center at 1-500-045 to find out the status of policy book delivery.

You can refer to the policy document you received, or if further clarification is needed, you may:

1. Contact 1-500-045.
2. Send an inquiry via email to care@bni-life.co.id.
3. Use the Live Chat service on the BNI Life website at www.bni-life.co.id.
4. Visit the BNI Life Customer Care center directly. The list of locations can be found on the website by clicking Contact → Contact Us and scrolling down.

1. PT BNI Life Insurance “BNI Life” has the right to receive, reject and investigate the insurance claim documents that uploaded by the Participants or the Insured through the BNI Life Mobile “Application”.

2. In the event that BNI Life finds that the documents uploaded by the Participant or the Insured are false or not authentic or not in accordance with the policy, BNI Life has the right to reject the insurance claim and has the right to make other attempt to escalate into a more serious level.

3. If in the future the insurance documents that already uploaded by the Participants or the Insured and received by BNI Life are false or not authentic, accordingly the Participant or the Insured is obliged to return the insurance payment that have been paid by BNI Life and has the right to make legal remedies.

4. Based on a claim that submitted through the Application, BNI Life will process the claim in accordance with the applicable regulation in BNI Life.

1. BNI Life Mobile “Application” is an electronic media owned by PT BNI Life Insurance “BNI Life”.

2. For this Application BNI Life shall change the contents of Application without giving notification to the Participant/Policy Owner/Sales Force formerly.

3. BNI Life will not be responsible for the disadvantage of the Participant or the Insured who uses this Application, with the result that the use of this Application is completely the risk of Participant/Policy Owner/Sales Force.

4. BNI Life has the right to block or suspend an Application account of Participant/Policy Owner/Sales Force at any time if it is reasonably necessary.

5. The Participant/Policy Owner/Sales Force agreed to use the Application properly and hold harmless BNI Life from a responsibility for negligence which caused by the Participant/Policy Owner/Sales Force.

6. Participant/Policy Owner/Sales Force guarantees the documents or information given to the BNI Life when using the application are the correct.

7. BNI Life if necessary shall takes any legal action if BNI Life find out that Participant/Policy Owner/Sales Force make efforts that could harm BNI Life.

1. Claim applies only for Reimbursement

2. Claim applies only for Optima Group Health product

3. Maximum submission of claim is IDR 5,000,000

4. Claim through BNI Life Mobile can be done at any time with the following conditions:

a. Claim submission process will be done during operational hours from Monday  to Friday, 08.30-17: 00 WIB, excluding National Holidays.

b. SLA of Claim Process :

Claim will be processed with maximum SLA in H+4 working days after the customer receives a notification informing that the         document has been received by BNI Life Mobile 

c. Claim Payment :

Claim payment made by transfer to the destination Bank Account Number that already registered in membership data of BNI Life

5. Other Bank Account Number that used for claim payment will be cleared by following the payment’s role of each bank

6. Claim Notification status will be sent to inbox of BNI Life Mobile and auto sent email to the company's PIC  (Person In Charge)

7. If you need further information, please contact BNI Life Call Center at:

- Telephone number 1-500-045

- Faximile (021) 2953 9998

- Email care.eb@bni-life.co.id

Privacy Policy

1. Your Security and Privacy is the priority of BNI Life Insurance “BNIL”. BNIL concern that providing online information need huge trust from you and thus our priority to ensure the security and confidentiality of your submitted personal data “Personal Data”.
   
   We will only collect required and relevant Personal Data for the transaction, manage, and save Personal Data as long as required by the law or such information still relevant with the initial purpose of Personal Data collection.
   
   While using BNIL mobile application, you’re as the user will be listed in our log. By submitting Personal Data to BNIL through BNIL mobile application, then you are agree on the submission, use, and disclosure of your personal information in accordance with this Privacy Policy.

2. The Data We Collect from You
   1. When you are using our mobile application, Personal Data that we collect are including but not limited to :
      1. User Profile, among others, including but not limited to username, e-mail address, phone number, password and address. This Data will be collected when account making process and renewal.
      2. User participation data, not limited to the date of birth, gender, age, active participation date, participation number, bank account (bank name, branch, account number, and account name), claim record and insurance benefit owned;
      3. Detail transaction data, among others, including but not limited to type, number and/or information from product or services that you buy, delivery address, payment procedure that used, transaction nominal, transaction date and time. This Personal Data will be collected when using the mobile application;
      4. The use of our product and service, on each date of maintenance, claim completeness documents and including whether the claim is paid or not (and any details related to this claim process); and/or
      5. Access permission to User device when using the features on the mobile application.
          
   2. When you are using BNIL mobile application, recorded personal data are including but not limited to :
      1. Real data location or prediction like IP address, Wi-Fi location and geo-location;
      2. Data in the form of time on each user activity, including registration, log in and transaction;
      3. Usage data or user preference, among others user interaction when using mobile application, option that you save, and selected setting. Data will be obtained using cookies, pixel tags, and similar technology that create and maintained unique identification.
      4. Device data, such as the type which used to access mobile application, including hardware model, operating system and its version, software, file name and its version, choice of language, unique device identifier, advertisement identifier, serial number, device movement information, and/or mobile network information.

3. Data usage.
   We may use or combine all or half of data that we obtained, collected, and recorded from User as mentioned in the previous section for anything, including but not limited to:
   1. Process all kind of request, activity as well as transaction conducted by user from mobile application, including for the purpose of product delivery to user.
   2. Providing features to give, implement, maintain and improve our product and service, including but not limited to:
      1. Offers, obtain, provide, or facilitate claim submission service from mobile application;
      2. Provide and facilitate provider registration service, nearest provider location and informs the available fare to provider;
      3. Provide and informs available insurance benefits for You;
      4. Provide and informs participant data for You;
      5. Provide and informs user regarding products, services, promotions, study, survey, news, latest updates, events and others from mobile application.
   3. Contact the user by, including but not limited to e-mail, letter, phone, fax, and etc, including but not limited, to help and/or complete the transaction process as well as claim settlement process.
   4. Using Personal Data for the purpose of research, analysis, development, and product testing, in order to enhance the security and safety of services on mobile application, and develop new features and products.

4. User’s Personal Data Disclosure.
   We guarantee that there is no sale, transfer, distribution or lend of your Personal Data to third party without prior written consent from you, unless in the conditions as follows:
   1. It is required that User’s Personal Data to be disclosed to partners or any third party who help BNIL in providing the service on mobile application and process any kind of User’s activity on mobile application, including but not limited to the process of transaction, verification, payment and delivery of product/service, request, activity and transaction conducted by the User through mobile application, including for the purpose of product delivery to User.
   2. There is communication required between BNIL business partners (such as logistic provider, payment, etc) with User in terms of constraint resolve and others.
   3. It is required for providing relevant informations to vendor, consultant, marketing partner, research firm, or similar provider.
   4. Provision of User information for BNIL affiliation to help providing service or conducting data processing for and on behalf of BNIL.
   5. In the effort to comply legal liability and/or there is valid request by the law enforcers including in the terms of dispute or legal proceedings between User and BNIL or any relevant third party.

5. Cookies
   1. Cookies is small file which automatically will take place in the User’s device that performs the function in saving preference and User’s configuration while visiting BNIL mobile application.
   2. The Cookies is not intended to be used while accessing the data belongs to User on User’s mobile device, beside from that has approved by User to be conveyed.
   3. Although User’s mobile device will automatically accept cookies, User may determine the choice to conduct modification through User’s application settings that is through choosing to deny cookies (this choice may limit the optimal service while accessing mobile application).
   4. We may use features provided by third party in order to improve service and BNIL content, including among others are adjustment and advertising serving to each Users based on interest and history of visit.

6. Storage and deletion of Personal Data
   We will save the data as long as User’s account is remain active and may conduct deletion in accordance with the prevailing law.
    
7. Privacy Policy Update.
   We may at any time conducting change and updates towards this Privacy Policy. We suggest for the User to read carefully and check this Privacy Policy page from time to time to find out any changes.
   
   By remain accessing and using mobile application, then User shall be deemed agree with any changes of the Privacy Policy.

8. Your consent by using BNIL mobile application, you admit and realized that you has read and understand this Privacy Policy and agree for collection, management, and storage of your Privacy Policy by Us as stated in this Privacy Policy. You also give the rights, power, and authority to BNIL to use your Personal Data in accordance with the provision stated herein.

9. Give Authority to BNIL with substitution rights to verify the information which given to any party and obtain all notes and information regarding User’s personal and health condition from Doctor, Clinic, Hospital, Puskesmas, insurance company, legal entity, government institution, individual or other organizations. If the information data and any changes given by User evidently is incorrect, then BNIL hereby declare that we are not responsible for any consequences may occur in relation with providing information and improper changes and User is subject to the provision of Policy.

(i) Policy Book

(ii) Electronic policy (e-Policy)

(i) General Provisions

(ii) Special Terms

(iii) Policy overview

(iv) Life Insurance Application Letter ("SPAJ")

(v) Additional Terms (if any)

(vi) Policy change (endorsement)

The policy will be declared valid if the Premium has been paid and the coverage is declared agreed by BNI Life

e-policy will be sent via link, which must be downloaded no later than 90 days after sending the policy link on WA, SMS or email of the Policyholder

COP is the period of studying the policy for 15 calendar days from the time the policy is received

1. Policy Overview
2. Insurance Benefits
3. Claim Procedure

If within 7 working days the consumer has not received the goods, please contact BNI Life Shop Customer service at +62 811-1967-0919 by including your full name and active telephone number.

Shipping costs depend on the delivery area and the weight of the merchandise ordered

If the goods sent to consumers are damaged, defective or lost, please contact BNI Life Shop Customer service at +62 811-1967-0919 for follow up.

Orders that have already been paid for cannot be canceled.

If you have complaints about merchandise or service products, please WhatsApp BNI Life Shop Customer Service +62 811-1967-0919.

Shop BNI Life offers a variety of merchandise that can be viewed through social media (Facebook, Instagram, Website).

You can contact BNI Life Shop Customer Service via WhatsApp at +62 811-1967-0919, Monday to Friday, 09.00 – 14.00 WIB.

Payment by transfer to BNI Branch Menteng No. Account 0184250212 in the name of PT. BNI Life Insurance.

Shipment will be processed after payment has been made.

For payment confirmation after 14.00 WIB, the shipment will be processed the next day.

A 25-minute claim is a customer claim process with a nominal submission of up to IDR 10 million (ten million rupiahs). Customers can submit claims and disbursement of claim funds can be directly received by transfer in just 25 (twenty-five) minutes. This service can be enjoyed by BNI Life group health insurance participants. The terms and procedures for claiming 25 minutes are as follows:

Terms of claim submission 25 minutes:
• Claims submitted are a maximum of IDR 10,000,000 per submission,
• Submissions must be submitted by participants (not represented) to the Walk-In Customer Care/Service Office/Service Point BNI Life. Claim service hours for 25 minutes are 08:00 – 15:00 WIB after that the claim will be processed the next day,
• If the claim file received is complete, it does not require further completion, if it still requires completeness or further analysis, it will be processed regularly.
• Mandatory claim payment to participant's account

25 minutes claim submission procedure:
• Complete and sign the claim submission form, (available at Walk-In Customer Care/Service Office/Service Point)
• Attach original/legalized copy of a receipt,
• Attach a copy of the policyholder's ID (KTP, SIM, or Passport),
• Attach details of costs during treatment and details of operating costs (If surgery is performed during treatment),
• Attach a copy of the drug prescription,
• Attach a medical resume / medical supporting data that has been filled out completely and clearly,
• Attach a copy of the results of laboratory examinations or other supporting examinations (including the results of supporting examinations). (Such as laboratory, x-ray, etc.) , if any

BNI Life Mobile claim is a claim submission process that can be submitted using the BNI Life Mobile application with a nominal submission of up to IDR 5,000,000 (five million rupiahs). The terms and procedures for claiming BNI Life Mobile are as follows:

Conditions for submitting BNI Life Mobile:

• The customer first downloads the BNI Life Mobile application on the play store or app store
• Then register the policy number by confirming the customer's mobile number and email address by making sure the writing of the mobile number of the email address is active.
• Claims submitted are a maximum of IDR 5,000,000 (five million rupiahs) per submission,
• Claim payments are made 4 (four) working days from the successful submission of a claim at BNI Life Mobile with a popup notification showing "Your claim submission has been sent, please be willing to wait".
• For accounts for claim payment purposes outside BNI, following the clearing process will apply and follow the clearing provisions of the destination bank

BNI Life Mobile application procedure:

• Take a photo of the claim document that will be submitted (documents cannot be taken from the gallery/file)
• Taking photos of claim documents for each requirement can be done with a maximum limit of 15 (fifteen) photos.
• Attach original/legalized copy of the receipt,
• Attach a copy of the policyholder's ID (KTP, SIM, or Passport),
• Attach details of costs during treatment and details of operating costs (If surgery is performed during treatment),
• Attach a copy of the drug prescription,
• Attach a medical resume / medical supporting data,
• Attach a copy of the results of laboratory examinations or other supporting examinations (including the results of supporting examinations).

One Day Claim Payment (ODCP) is a special service for BNI Life Mobile users with claim submissions up to IDR 500,000 (five hundred thousand rupiahs). Customers can submit claims through BNI Life Mobile Apps and disbursement of claim funds can be directly received via transfer in just 1 (one) day. This service can be enjoyed by BNI Life group health insurance participants. The ODCP provisions and procedures are as follows:

Conditions for submitting a ONE DAY CLAIM PAYMENT (ODCP) claim:

•  Claims submitted for a maximum of IDR 500,000 (five hundred thousand rupiahs) per submission,
• Submissions must be submitted through BNI Life Mobile a maximum of 10.00 WIB after which the claim will be processed for payment on the next working day.
• For accounts for claim payment purposes outside BNI, following the clearing process will apply and follow the clearing provisions of the destination bank.
• If the claim file received is complete, it does not require further completion, if it still requires completeness or further analysis, it will be processed pending.

Fast Claim is the process for individual health insurance customers to submit claims for amounts up to IDR 10 million. Customers can file claims and receive payouts via bank transfer within just one business day. This service is available for individual health insurance policyholders of BNI Life. Customers can access the Fast Claim facility by submitting complete documentation directly to BNI Life's Head Office.

Terms and Procedures for Fast Claim Submission:

A. Fast Claim Submission Terms:

• Claims must not exceed IDR 10,000,000 per submission.
• Documents received between 8:00 AM and 12:00 PM WIB will be processed on the same day. Documents received after 12:00 PM WIB will be processed the next business day.
• Claims must be submitted in hard copy format.
• All claim documents must be complete without requiring additional verification.
• Claim payments are made directly to the customer's bank account.
   

B. Fast Claim Submission Procedures:

• Complete and sign the Claim Application Form.
• Attach the original receipt or a certified copy.
• Provide a copy of the policyholder's ID (KTP, driver’s license, or passport).
• Include a copy of the bank account book for claim payments.
• Attach detailed treatment expenses and surgery costs (if surgery was performed).
• Submit a copy of the prescription.
• Provide a medical resume or supporting medical data.
• Attach copies of laboratory test results or other supporting examinations.
   

C. How to Submit a Fast Claim:

• The participant (policyholder) must visit BNI Life's Head Office in person.
• Bring and submit all the required documents in a complete and clear manner.
• Claims cannot be submitted on behalf of the policyholder. If the insured party has passed away, the listed beneficiary must be present.
  Payments are currently made in IDR to accounts with BNI, Mandiri, BCA, or BRI banks.

If you are filing a complaint by phone at 1-500-045, please provide the following information:

1. Policy data
2. Details of the complaint

If you are submitting a complaint by mail or in person at the PT BNI Life Insurance office, please provide the following documents:

1. A Complaint Letter explaining the issue being raised along with your expectations for resolution. The complaint letter should also include personal details of the policyholder such as: name of the policyholder, policy number, mailing address, email address, and a contactable phone number.

2. If the complaint is not submitted by the policyholder, a power of attorney from the policyholder, signed on a Rp. 10,000 stamp duty, must be included.

3. Attach a copy of a valid ID card (KTP) of the policyholder and/or the authorized representative.

4. Supporting documents related to the complaint.

Verbal complaints will be processed within 5 working days from the receipt by Customer Care.

However, if we require supporting documents and need more than 5 working days to process the complaint, we will ask the policyholder to submit the complaint in writing, along with the necessary supporting documents.

Written complaints will be processed within 10 working days from the date the complete complaint documents are received by Consumer Protection and Complaint Handling at PT BNI Life Insurance.

In certain situations, the processing time can be extended by 10 working days (a total of 20 working days from the date the complaint is fully received), with notification to the policyholder.

Withdrawal of funds outside the due schedule / policy benefits cannot be carried out, because it must be in accordance with the schedule stated on the policy. However, if the customer needs funds, they can apply for a policy loan.

A policy loan is a loan from the cash value formed in the customer's policy with the amount of 80% of the cash value formed. This policy loan must be repaid within 12 months/1 year with an interest of 1% per month, if more than the specified time will be subject to compound interest.

BNI Life has collaborated with more than 1500 Hospital and Clinic partners throughout Indonesia. You can see a complete list of BNI Life provider partners and updates on the website by clicking Services → Directory

You get daily benefits if you are hospitalized according to the number of days of hospitalization multiplied by the daily benefits listed on your participant card

When entering a mobile number, please use the prefix "62" instead of "0" on the mobile number you have.
Do not use "+" prefixes such as "+62".
Make sure again whether the cellphone number you are using is the mobile number registered according to the policy data, if not please update or change the data via Contact Center phone 1-500-045 or email care@bni-life.co.id

In order to check again the ID number you entered is correct, if it is still constrained please make sure the ID number you use is the ID number registered according to the policy data, if not please update or change the data via Contact Center phone 1-500-045 or email care@bni-life.co.id

For all cash value payments for policy closing, administration fees and other costs will be charged in accordance with the provisions on the insurance product owned.

Make sure again the signal or network you use when accessing is in very good condition, if constrained by the network please find a good signal source so that you can access bPos smoothly.

Make sure your email address has been registered in the BNI Life system, if you have not registered an email address please update or change data via Contact Center phone 1-500-045 or email care@bni-life.co.id

Make sure the product you have has the benefit of policy value or cash value, because the system will display data according to the type of product owned by the customer.

Make sure the signal on your cellphone is good or full, if within 5 minutes you have not received the OTP code you can request resend by clicking Resend OTP.

For all products that have life benefit values such as education benefits, premium returns, pension funds to Healthy Bonuses will be paid automatically according to the due date of benefits recorded in the policy and regulated in the BNI Life system.

Please check your account periodically for each benefit payment that is due.
In the event of a failed transfer for payment of your benefits, please immediately submit a Failed Transfer Application on the bPos application.

To ensure that no transactions have been submitted before, if the application is pending or still in process, the Customer cannot submit another application until the previous submission is complete.

In the event of a pending application, the user / customer must meet the needs of submissions that are incomplete or not in accordance with the provisions of the policy. Users / customers will be sent a pending notification in the form of an email.

Note: pending applications will be automatically canceled if within 30 days they have not been completed from the date of submission.

In order to ensure that the insurance products you have have premium leave benefits, the products that have premium leave benefits are unit link insurance products including :

BLPM (BNI LIFE PLAN MULTI PROTECTION)
BMPR (BNI LIFE MPROTECTION PLUS)
HYNP (BLIFE HY-END PRO)
BLMS (BLIFE SPECTRA LINK)
SPDP (BNI LIFE SPECTRA DOUBLE POWER)
BLMK (BLIFE MAKSIMA)
BLSL (BLIFE SPECTRA LINK)
Users / customers must fill in the start date of premium leave and the end date of premium leave with the following conditions :

• The policy is not on automatic premium leave
• The policy is not in the compulsory premium payment period or Must pay Period
• Premium leave set is the submission of the initial date premium leave begins
• Cancel premium leave is a request for cancellation of premium leave
• Change Premium leave is a change in the date of premium leave

Account numbers in the BNI Life system consist of 2 types of account numbers, namely Payment Accounts and Benefit Accounts. 
For some BNI Life insurance products (especially telemarketing products) there is no benefit account number data recorded in the BNI Life system. So for policies with conditions like this, users / customers are required to update data related to benefit account number data.

Users / Customers can update or change data via Contact Center phone 1-500-045 or email care@bni-life.co.id

The BNI Life website can be accessed using an open internet network from any device, as long as the device has internet network usage facilities. If the user / customer cannot access the BNI Life website, please reconfirm the following :

• The internet network is in good condition or can be accessed
• For cellular device users to ensure the signal is in good condition
• Your internet quota or credit is sufficient
• For laptop users to ensure the wifi connection or hotspot is in good condition and can access the internet network
• Make sure you are not in certain proxy settings, please disable proxy settings first