At a Glance
Digital threats are increasing every year. Phishing, malware, and account takeovers can occur in just one click. Cyber Guard gives you greater peace of mind when facing cyber risks, helping safeguard you from potential financial losses.
Protected Against Cyber Attacks
with 3 key benefits
Renewable Limit
with protection of up to IDR 50 million per month
Single Policy Coverage
protecting your DBS Credit Card and Debit Card
No Age Restriction
available from a minimum age of 18 years
Find the product and service information summary Here
3 Benefits of Cyber Guard:
- Valid when your card or device is lost or stolen
- Covers suspicious transactions even if the card is still in your possession
- Includes risks of skimming or card duplication
- Coverage when your account is accessed by unauthorized parties and used for transactions
- Coverage if you become a victim of fraud through psychological manipulation, such as phishing, scams, or similar schemes
Product Simulation – Cyber Guard
This simulation illustrates the benefits of Cyber Guard to help customers understand the coverage and claims process for existing risks.
This simulation does not reflect the full scope of benefits and claim payments. All claims are subject to the applicable policy exclusions, terms, and conditions.
Example
Customer: Mr. AB
Type of Risk: Unauthorized credit card transaction due to theft
Loss Amount: IDR 3,500,000
Incident Summary
The customer’s credit card was stolen, and unauthorized transactions were made before the customer contacted the bank to block the card.
Actions Taken by the Customer
- Immediately contacted the issuing bank to report the unauthorized transactions so the investigation process could begin
- Reported the incident to the police and to Chubb.
- Submitted a Cyber Guard claim with supporting documents and the bank’s investigation results.
Claim Simulation Outcome
Based on the policy terms and completeness of the claim documents, the claim was approved. Compensation of IDR 3,500,000 was paid.
Note:
This simulation is for illustration purposes only and does not reflect the full scope of Cyber Guard insurance benefits. Claim payments are subject to the applicable terms, conditions, exclusions, and policy provisions.
TFind the product and service information summary Here
Fees
The premium paid by the Insured includes acquisition costs/service fees to Bank DBS Indonesia (including taxes) for Cyber Guard 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.
Risks
The Insured is not entitled to the benefits of this policy if the risk that occurs is included in the policy exclusions, both in special exceptions and general exceptions. If the Insured provides incorrect or wrong information, then PT Chubb General Insurance Indonesia ("Chubb General") can reduce or decline the claims submitted. This obligation has been attached since Insured submits request for insurance closure up to period of coverage ends.
IMPORTANT NOTE
Cyber Guard is an insurance product published by Chubb General. 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 Insurance Program of Deposit Insurance Cooperation ("LPS").
Bank DBS Indonesia only acts as the party that distributes this product where the use of logos and/or other attributes in the brochure or marketing documents is only a form of cooperation between Bank DBS Indonesia and Chubb General so it cannot be interpreted that this product is a product of Bank DBS Indonesia.
PT Bank DBS Indonesia and PT Chubb General Insurance Indonesia are licensed and supervised by the Financial Services Authority (OJK).