Feature & BenefitEnjoy peace of mind when transacting using your Credit Card digibank by DBS with Credit Guard Fixed protection. The benefits of Credit Fixed Guard Insurance can be used to pay off your credit card bills even in the event of unseen circumstances.Insurance Benefit for Death of a maximum of IDR 100 million if the Insured passed away due to illness and IDR 400 million if the Insured passed away due to an accident during the Coverage period, where if the benefits above are greater than the obligation to pay off the Insured's Credit Card digibank by DBS, the excess payment will be given to the heirs in accordance with applicable law. The description of benefits listed on this page does not cover the entire Credit Guard Fixed insurance protection. You are advised to read the contents of the Policy Certificate for detailed benefits and a description of the terms, conditions that apply and things that are not guaranteed. Find a Summary of Product and Service Information here.

IlliustrationMr. Agus (28 years old) purchased the Credit Guard (Fixed) Plan 6 product, with the following conditions:Coverage period until the Insured is 65 years oldMonthly Premium IDR150,000, -

Risk BenefitsInsurance Benefit for Death due to Natural Causes/Illness IDR100,000,000Insurance Benefit for Death due to Accident IDR400,000,000When the policy is active, Mr. Agus dies due to illness and has a credit card balance of IDR10,000,000.Therefore, Mr. Agus's heirs are entitled to receive Insurance Benefit in the form of:Insurance Benefitfor Death Due to Illness IDR100,000,000,- minus IDR10,000,000 = IDR90,000,000 Note: This illustration is only a general description. The applicable premiums and benefits refer to the Certificate.

FeesThe premium paid by the Insured includes acquisition costs/service fees to Bank DBS Indonesia (including taxes) for Credit Guard Fixed insurance product marketing.All costs charged to the Customer will refer to the provisions of the Policy, including but not limited to commission fees for Bank DBS Indonesia.

RisksThe Insured is not entitled to receive compensation benefits from this Policy if the risk that occurs is included in the risk category excluded by the Policy, either in Special Exceptions or General Exceptions. If the Insured provides incorrect or false information, PT Chubb Life Insurance Indonesia (“Chubb Life”) can reduce or reject the submitted claim. This obligation has been attached since the Insured submitted an application for insurance closure until the membership ends.

IMPORTANT NOTESCredit Guard Fixed is an insurance product issued by Chubb Life. 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 guarantee program of the Deposit Insurance Agency ("LPS"). Bank DBS Indonesia only acts as a party distributing this product where the use of the logo and/or other attributes in brochures or marketing documents is only a form of cooperation between Bank DBS Indonesia and Chubb Life so that it cannot be interpreted that this product is a product of Bank DBS Indonesia. PT Bank DBS Indonesia and PT Chubb Life Insurance Indonesia are licensed and supervised by the Financial Services Authority (OJK).

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PT Bank DBS Indonesia is licensed and supervised by the Indonesian Financial Services Authority & Bank Indonesia, and is a guaranteed member of Indonesia Deposit Insurance Corporation (LPS). The maximum deposit value guaranteed by LPS per customer per bank is IDR 2 billion. To check the LPS Guarantee Interest Rate, click here.