MiTreasure Flexi Assurance

At a Glance

Affordable premium starting of IDR 24 million or USD 2,400 per year

Flexibility to choose sum insured.

No Lapse Guaranteed policy for 10 policy years*


Convenience with cashless facility

For hospital fees and bill payments* as well as additional discounts for Family Plan*.

*Term and condition apply

Features & Benefits

Product Superiority

  • Insured entry age starts from 30 days.

  • Denomination in Rupiah & US Dollar currency.

  • There are additional insurance options : Flexi Health Care, Flexi Critical Care, Flexi Waiver of Premium, Flexi Payor Waiver, Flexi Spouse Waiver and Flexi Early-Stage Critical Care.

  • Payment of outpatient benefits*.

Main Benefit

  1. Investment allocation starting in the first year, with details:

    • 60% in the first year.

    • 70% in the second year.

    • 100% in 3rd year onwards.

  2. Life protection for up to 110 years.

  3. The end benefit of the contract is equal to the value of the policy formed**.

  4. Loyalty benefit of 50% in year 10 and 200% in year 15 ***.

Additional Benefit

  1. Flexi Health Care - Provides comprehensive protection benefits for medical expenses (according to bill) at home and abroad.

  2. Flexi Critical Care - Provides protection benefits against late-stage critical illness.

  3. Flexi Waiver of Premium - Provides Waiver of Premium benefits if diagnosed with one of 49 critical illnesses.

  4. Flexi Payor Waiver - provides basic premium waiver benefits if the Policyholder (the insured's parent) of the basic product dies or suffers from permanent total disability.

  5. Flexi Spouse Waiver - provides basic premium waiver benefits if the partner of the Main Insured (Policyholder) of the basic product dies or suffers from permanent total disability.

  6. Flexi Early-Stage Critical Care - Provides protection benefits against early-stage critical illness.

*Term and condition apply as stated in



* Conditions apply to selected additional benefits.

** If any.

*** Loyalty benefits are benefits obtained with the following conditions:

  • Customers who make full payments during the first 7 years of the policy.

  • Customer does not take premium leave in the first 7 years of the policy.

  • Customer does not change the policy (alteration) which causes a decrease in the basic premium as long as the policy is active.

  • Policy remains active.

Find the Summary of Product and Service Information here.


  • Acquisition fee from Annual Basic Premium : 40% in first policy year and 30% in second policy year.

  • Administration fee: 0.583% per month of Policy Value, charged only for the first 7 years of the Policy.

  • Cost of Insurance costs are adjusted from the time the Policy is issued, calculated based on age, gender, and the dynamic amount of the death benefit.

  • Top Up fee: 2% of each transaction.

  • Management Fee is 1.25% to 2.5% per year of the total managed fund, depending on the selected Investment Fund. The Investment Fund is managed professionally by PT Asuransi Jiwa Manulife Indonesia ("Manulife Indonesia"). Manulife Indonesia has the right to outsource the management of Investment Funds to third parties in accordance with applicable regulations.

  • Withdrawal and/or cancellation of units will be charged at 95% in the first Policy year and will decrease gradually to 0% in the 8th Policy year.

  • Premium Holiday could only be conducted if there is request from the policy holder and insurance company approves the request. Premium Holiday fee will be valid from the 1st policy year to the 7th policy year if the policyholder does not make premium payments until the end of the free period and the policy status is in premium holiday. The premium holiday fee is as follows:

    Policy Year Fee of Premium Holiday
    1-4 (50%/12) * Annual Basic Premium
    5-7 (10%/12) * Annual Basic Premium
    8+ 0%


    (1) Will be charged on a monthly basis.

    (2) Will be charged according to the Premium payment mode.

  • Fee Investment Fund Allocation Change (switching) for the first 4(four) transactions in 1(one) Policy Year. A fee of IDR 50,000 or USD 5 will be charged for each subsequent Change of Investment Fund Allocation made within 1(one) of the same Policy Year.

  • All charges in full refer to the policy including but not limited to commission fees for banks.



Market Risk

Unit prices will follow market price fluctuations. This will be seen in the volatility of the unit price and will cause the possibility of an increase or decrease in investment value.

Credit and Liquidity Risk

Policyholders will be exposed to Manulife Indonesia's Credit and Liquidity Risk as a risk selector for insurance products. Credit and Liquidity Risk relates to Manulife Indonesia's ability to pay obligations to its customers, as well as the risk of default from the issuer of investment instruments.

Operational Risk

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

Exchange Rate Risk

Insurance policies in foreign currencies will be exposed to Exchange Rate Risk if the Policy Holder/Designated decides to convert the insurance benefits into local currency whose value depends on the foreign exchange rate at that time.

Unit Link Insurance Risk

The level of insurance risk for Unit Link products can be seen in the illustration proposals for Unit Link products or offer proposals that can be obtained from Marketers.

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 the coverage ending.


MiTreasure Flexi Assurance 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.