MiCredit Assurance Balance

At a Glance

Death Benefit


Total Permanent Disability Benefit


Critical Illness Benefit


Features & Benefits

Enjoy peace of mind in transacting using your credit card with the protection of MiCredit Assurance Balance. Your credit card loan will remain paid off even though it faces unexpected things.

Benefit covers 100% of the total credit card debt or maximum value of the benefits (whichever is lower) if the insured dies, suffers from a total inability, or diagnosed with one of the critical diseases during period of coverage.

Maximum benefit that can be given is IDR 750 million per customer.

The description of benefits listed on this page does not contain the full extent of MiCredit Assurance Balance. You are welcome to read the entire Certificate Policy to find out the details of the benefits as well as the terms, conditions and the exclusions applied under this Policy.

Find the Summary of Product and Service Information here.




The premium paid by the Insured includes the fee of service/return services to Bank DBS Indonesia of 30% (including tax) in the framework of MiCredit Assurance Balance products marketing.

All fees charged to customers will refer to policy provisions including but not limited to commission costs for Bank DBS Indonesia.



The Insured is not entitled to the benefits of this policy if the risk that occurs is included in the policy exclusions, both in special exceptions and general exceptions. If the Insured provides incorrect or wrong information, then PT Asuransi Jiwa Manulife Indonesia ("Manulife") can reduce or decline the claims submitted. This obligation has been attached since Insured submits request for insurance closure up to period of coverage ends.


MiCredit Assurance Balance is an insurance product published by Manulife. This product is not a savings product at Bank DBS Indonesia and therefore does not contain any obligations and is not guaranteed by Bank DBS Indonesia and is not included in the Government Insurance Program of Deposit Insurance Cooperation ("LPS").

Bank DBS Indonesia only acts as the party that distributes this product where the use of logos and/or other attributes in the brochure or marketing documents is only a form of cooperation between Bank DBS Indonesia and Manulife so it cannot be interpreted that this product is a product of Bank DBS Indonesia.

PT Bank DBS Indonesia and PT Asuransi Jiwa Manulife Indonesia are licensed and supervised by the Financial Services Authority (OJK).