Life Insurance


Protect against the loss of key personnel and guarantors of your company.

Protect your business with a wide range of life insurance product solutions including endowment insurance plans, lifetime insurance and unit link investment insurance. Regardless of the size, incorporation type or financial turnover, your company will obtain protection against the loss of company’s key personnel.

Sales concepts:

  1. Key personnel protection

    • To protect the company from the loss of the key personnel
    • The sum insured can be used to cover company potential lost or to hire new key personnel to ensure that the company will recover
  2. Golden handcuff

    • To retain key personnel by dedicating the respective insurance policy from company to the individual on the certain period of time
  3. Tax benefit

    • Insurance premium paid by the company can be treated as a deductible expense to reduce company’s income tax (PPh 25)
  4. Collateral protection

    • To protect collateral for the worst possibility of potential business risk due to the lost of the company owner or key personnel
    • The sum insured can be used as a stand by liquidity for loan repayment if the company is not running well

Products

DPLK (Dana Pensiun Lembaga Keuangan) is a scheduled payment of pension fund program based on Law No. 11 Year 1992 concerning Pension Fund. Besides as pension benefit, other benefit of DPLK could be designed as compensation in severance payment based on Law No. 13 Year 2013 concerning Employment

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Group Life and Health Insurance is a complete and flexible protection program for the company’s asset to fulfil the need of sense of security for employee. Manulife has 2 (two) Group Life and Health Insurance products that can be customized to each employer needs, which is Manulife Direct Protection (MDP) with minimum participant 10 (ten) employees and Manulife Total Protection (MTP) with minimum participant 51 (fifty one) employees

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The Right Investment for Your Company’s Asset

Manulife Lifestyle Protector is an investment-linked life insurance product with guaranteed premium return, which could be used to recruit, retain and motivate employee to achieve the company’s goal

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Protect Your Asset Now!

MITUP (MiTreasure Ultimate Protection) is a life insurance product with regular premium payment which gives 100% investment allocation since the beginning of policy issuance equipped with financial protection package used to retain your key personnel or to give a guarantee for the continuity of the business if any risk occurs to the company owner

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MiWealth Protection is an investment-linked life insurance product with single premium payment which could be used as an attraction to retain your employee

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Guaranteed Liquidity for Your Company

Family Estate Protection is a lifetime insurance product which provides guaranteed fund at the end of the insurance term with single premium payment term to provide guarantee for the continuity of business if any risk occurs to the company owner

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Certainty for Your Employee’s Pension Fund

Golden Protector is a life insurance product designed with annual cash payment to fulfill needs during pension period and which could be used to retain your key personnel

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Commercial General Insurance


Protect your company collaterals against unexpected risks. Our insurance partners can help you to identify your company protection needs and offer a solution with your expectation in mind. Protect your business against a wide range of threats from natural disasters to theft and accidental damage

We have partnership with prominent insurance company in Indonesia i.e. PT Asuransi Adira Dinamika, PT Asuransi Astra Buana, PT Asuransi Wahana Tata and PT Chubb General Insurance

Products

Motor Vehicle Insurance is a general insurance product that protects the interest of the insured from the risk of loss that may arise in connection with the ownership and use of motor vehicle as a result of events that are directly caused by risks that are covered by the policy such as accident, collision, overturned, slipped, or mired, malicious act, theft, including theft preceded or accompanied by threats of violence, and fire

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Property Insurance is a general insurance product that will indemnify property towards risks of fire, lighting, explosion, fall of aircraft or objects that fall from an aircraft and smoke (FLEXAS - Fire, Lightning, Explosion, Aircraft Impact and Smoke) which is covered in Polis Standar Asuransi Kebakaran Indonesia (PSAKI) issued by Indonesian General Insurance Association (AAUI) including but not limited to Industrial All Risk (IAR) Munich Re Wording, Property All Risks (PAR) Munich Re Wording, Commercial All Risks, Manuscript Wording, ABI wording, Mark IV/V, including Comprehensive Machinery Insurance, Electronic Equipment Insurance and any other property insurance policies that indemnify FLEXAS risk. This policy could be extended to riots, earthquakes, tsunami, flood, burglary and property all risk

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Heavy Equipment Insurance is a general insurance product that will indemnify any loss and/or damages towards expenses that must be paid due to accidents or events that affected the insured heavy equipment that is directly caused by risks covered in the policy

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Marine Hull Insurance is a general insurance product that will indemnify loss and/or damages to marine hull that is directly caused by risks covered in the policy

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Marine Cargo Insurance is a general insurance product that will indemnify any loss and/or damages to the cargo during shipment from the departure to the destination as stated in the policy towards any risks that are covered in the policy

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Disclaimer


The Insurance product is not deposit product of PT Bank DBS Indonesia (“Bank”) and therefore does not contain liability and guarantee by the Bank and it is not included in government protected program Indonesian Deposit Insurance Corporation (“LPS”), Bank is just an agent to refer and/ or distribute product. Details of Benefit, terms, condition and exception of the insurance binding the police will be published by our insurance partner