MiEarly Critical Protection

At a Glance

Short premium payment term

Only 2 (two) or 5 (five) years premium payment term for 20-years-protection.

Critical Illness Protection since early stage

Up to IDR3 Bio* coverage for 65 early-stage critical illnesses.

Maximum Coverage with Power Reset

Reset Sum Insured back to 100% (one hundred percent) after the first claim of early-stage critical illness or first ICU claim*.

*Terms and conditions apply

Features & Benefits

Health is an asset in life that needs to be taken care of. Unfortunately, it is often neglected due to busy lifestyle, leading to late realization on how important protection is, especially against the risks of critical illnesses. Set up critical illness protection from an early stage with MiEarly Critical Protection.


  1. The Insured age is between 30 days until 60 years old.

  2. Available in Rupiah (IDR).

  3. 2 years or 5 years premium payment term.

  4. Minimum Sum Insured is IDR200,000,000.

Main Benefits:

  1. Coverage for up to 65 early-stage critical illnesses and 85 late-stage critical illnesses.

  2. 50% Sum Insured for ICU treatment (ICU/HCU/ICCU/PICU) within 10 consecutive days or more in Indonesia, Malaysia, or Singapore.

  3. "Power Reset" or Reset Sum Insured back to 100% (one hundred percent) after the first early-stage critical illness claim or ICU claim (whichever earliest)*.

  4. Return of premium at 100% (excludes extra premium) if the Insured dies within coverage period or if the Insured still lives until policy ends*.

Additional Benefits:

  1. Payment of 25% of Sum Insured or a maximum of IDR150,000,000 in the case of angioplasty.

  2. Payment of 25% of Sum Insured or a maximum of IDR150,000,000 if the Insured is diagnosed of organ function failure due to diabetes.


Critical Protection



All fees charged to customers will refer to the provisions of the policy including but not limited to commission fees for the Bank.



Credit and Liquidity Risk

Policyholders will be exposed to credit and liquidity risk of PT Asuransi Jiwa Manulife Indonesia ("Manulife Indonesia") as the risk selector of insurance products. Credit and liquidity risk relates to the ability of the Insurer to pay its obligations to its customers.

Risk of Early Termination of Policy

Early termination of the policy may result in the Policy Value being less than the benefits paid (if any) or the premiums paid and coverage will end.

Operational Risk

A risk caused by the failure or failure of internal processes, people and systems, as well as by external events.


MiEarly Critical Protection is an insurance product issued by Manulife Indonesia. This product is not a deposit product at Bank DBS Indonesia and therefore does not contain any obligations and is not guaranteed by the bank and is not included in the government guarantee program of the Deposit Insurance Corporation ("LPS").

Bank DBS Indonesia only acts as the party referencing this product where the use of logos and/or other attributes in brochures or marketing documents is only a form of cooperation between Bank DBS Indonesia and Manulife Indonesia 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).

Contact Us

Contact Us Our Relationship Manager will contact you for more further information.

Visit Us Find the nearest DBS branch in your town.