At a Glance

Easy underwriting process

Without medical examination for sum insured up to IDR10,000,000,000*

Active policy guarantee

Guarantee policy will remain active in the first 10 years of the insurance policy*

Additional benefits for critical illness

Supplementary protection options for critical illness with gender specifications*

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Features & Benefits


  • Insured entry age is between 30 days - 70 years

  • Available in IDR & USD with annual payment method

  • Unit-linked products with attractive investment fund options

Key Benefits:

  • Lifetime life protection – starting from IDR 5 billion / USD 500 thousand

  • Mi-Assist’s international priority services in the form of a medical concierge service, medical second opinion and non-medical concierge service

  • Without medical check up for sum insured up to IDR 10 billion / USD 1 million*

  • Additional investment allocation totaling up to 100% for loyalty benefits from 6th – 10th years*

  • Low acquisition costs

  • 100% investment allocation starting from the 2nd policy year

  • 2% additional investment starting from the 11th policy year

Additional Benefits*:

  • MiTreasure Optimax Care – provides comprehensive protection benefits for medical expenses (according to bill) at home and abroad

  • Early Optimax Care – provides protection benefits against critical illness from an early stage and an advanced stage

  • Optimax Waiver of Premium – provided if diagnosed with one of 51 critical illness

  • Optimax Care Payor – provides basic premium waiver benefits if the policy holder (the insured’s parent) of the basic product dies or suffers from permanent total disability

  • Optimax Care Spouse – provides basic premium waiver benefits if the partner of the main insured (policy holder) of the basic product dies or suffers from permanent total disability

*Terms and conditions apply



Mr. Tito signed up for the MiTreasureOptimax Protection program at 40 years old. He pays an annual premium of IDR200,000,000 with an assumed 10% annual rate of return. When he is 46-50 years old, he will receive a loyalty benefit at 10% and additional 2% of the allocated investment as he reaches 51 years old and so forth. At 70 and 85 years old, his policy value could reach up to IDR27,900,000,000, and IDR121,700,000,000 respectively. 


How to Apply

Contact me A Relationship Manager will reach out to you

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

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