Cash Back Protection

At a Glance

Personal Accident

Protection from the risk of accidental death is provided in the first year, and coverage extends to any cause of death starting from the second year and beyond.

Premium Payment Period

Monthly premium payment for 5 years, with period of coverage for 10 years.

Maturity Benefit

No claim until end of 10th year, 100% of paid premium will be returned.

Product Features and Benefit

Cash Back Protection is a protection product that will provide compensation for the risk of death due to an accident in the first year and for any reason from the 2nd year onwards, as well as the benefit of 100% premium return if no claim occurs after the 10th year.

Cash Back Protection does not require a Health declaration. Compensation money for death benefits is 2x if the Insured dies as a result of an accident on scheduled public transportation.

The description of benefits listed on this page does not contain the full extent of Cash Back Protection. To discover all the details of the benefits, as well as the terms, conditions, and exclusions associated with this Policy, please refer to the full.

Find the Summary of Product and Service Information here.


Product simulation

Customer A (30 years old) agrees to buy product Cash Back Protection plan 4 and pay premium of IDR200,000 every month for 5 years. The benefits that Customers can received are:

  1. For the first 12 months, the Customer will be protected in case of death due to an accident, and the Beneficiaries will receive compensation of up to IDR234,000,000.

  2. From the 2nd year onward, if there is a risk of death due to either an accident or Illness, the Beneficiaries will receive compensation of up to IDR234,000,000.

  3. In the event of death due to an accident occurring on public transportation, the Beneficiaries will receive a sum insured equal to of 2 times the compensation up to IDR468,000,000.

  4. If there are no claims during the 10-years coverage period, the Customer will receive a 100% refund of the paid premiums.



The premium paid by the Insured includes the fee of service/return services to PT Bank DBS Indonesia ("Bank DBS Indonesia") in the framework of Cash Back Protection products marketing.

All fees charged to Customers will refer to Policy provisions including but not limited to commission costs for PT Bank DBS Indonesia.




The Insured is not entitled for the benefits of this Policy if the risk that occurs is listed in the Policy's exclusions, including both special and general exceptions. If the Insured provides inaccurate or false information, PT Chubb Life Insurance Indonesia ("Chubb Life") reserves the right to reduce or reject any claims made. This obligation applies from the time the insured submits the insurance application until the coverage period ends.


Cash Back Protection is an insurance product published by PT Chubb Life Insurance Protection. This product is not a savings product at PT Bank DBS Indonesia and therefore does not contain any obligations and is not guaranteed by PT Bank DBS Indonesia and is not included in the Government Insurance Program of Deposit Insurance Cooperation ("LPS").

PT Bank DBS Indonesia solely serves as s distributor for this product. The use of logos and other attributes in the brochure or marketing documents represents a form of cooperation between PT Bank DBS Indonesia and PT Chubb Life Insurance Indonesia. It could not be interpreted as indicating that this product is Bank DBS Indonesia’s product.

PT Bank DBS Indonesia and PT Chubb Life Insurance Indonesia are licensed and supervised by the Financial Services Authority (OJK).