MiUltimate Critical Care

At a Glance

20 years coverage with limited time premium payment

Spend less by only paying a 5-year premium for a 20-year protection.

Give you protection of critical stage final stage

Gain a 100% coverage cash benefit and 100% return of the paid premium.

160% premium return if there is no claim

A total of 160% from paid premium to be paid when the insured passes away.

Features & Benefits


  • The insured’s age between 6 months - 60 years old.

  • Available in IDR with payment period of 5 years.

  • Minimum sum insured is IDR 200,000,000.

Main Benefits:

  • End of coverage period - 160% of the total paid premium (both dies and lives).

  • Angioplasty (accelerated benefit) - 25% sum assured or a maximum of IDR 200 million*.

  • Receive 100% of the sum insured and 100% of the total premium that has been paid for the final stage of critical illness protection.

  • Get 160% of the total premium paid if the insured dies or lives at the end of the insurance period.

  • Death Benefit - 160% of the total premium paid.

*Terms and Conditions Applied




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.


MiUltimate Critical Care 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 me A Relationship Manager will reach out to you.

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