At a Glance

Easy underwriting process

Without medical examination for sum insured up to IDR10,000,000,000*

Active policy guarantee

Guarantee policy will remain active in the first 10 years of the insurance policy*

Additional benefits for critical illness

Supplementary protection options for critical illness with gender specifications*

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Features & Benefits


  • Insured entry age is between 30 days - 70 years

  • Available in IDR & USD with annual payment method

  • Unit-linked products with attractive investment fund options

Key Benefits:

  • Lifetime life protection - starting from IDR 5 billion / USD 500 thousand

  • Mi-Assist's international priority services in the form of a medical concierge service, medical second opinion and non-medical concierge service

  • Without Medical Check Up for Sum Insured up to IDR 10 billion / USD 1 million*

  • Active Policy Guarantee* For the first 10 years

  • Additional investment allocation totaling up to 100% for loyalty benefits from 6th to 10th years*

  • Low acquisition costs

  • 100% investment allocation starting from the 2nd policy year

  • 2% additional investment starting from the 11th policy year

Additional Benefits*:

  • MiTreasure Optimax Care - provides comprehensive protection benefits for medical expenses (according to bill) at home and abroad

  • Early Optimax Care - provides protection benefits against critical illness from an early stage and an advanced stage

  • Optimax Waiver of Premium - provided if diagnosed with one of 51 critical illness

  • Optimax Care Payor - provides basic premium waiver benefits if the policy holder (the insured's parent) of the basic product dies or suffers from permanent total disability

  • Optimax Care Spouse - provides basic premium waiver benefits if the partner of the main insured (policy holder) of the basic product dies or suffers from permanent total disability

*Terms and Conditions Applied




How to Apply

Contact me A Relationship Manager will reach out to you

Locate us Or visit us at the nearest DBS branch in your town.

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