• DBS Medical & Health Insurance

    DBS Medical & Health Insurance

    There can be several things in your life that are extremely important for you. But nothing is more important than your health. A good health is definitely your key to success, But life is full of uncertain and unexpected events. It is highly advisable to protect and cover yourself and your family against all such problems. Medical and health insurance provides you with financial support when you need it the most. In case of injuries or hospitalisation, all the costs are taken care of. Once your financial problems are sorted, it is much easier for you to tackle the other problems. Choose the medical and health insurance that suits your purpose and enjoy the peace of the mind that you need and deserve.

    DBS is one of the leading banks in the world and cares about its customers. The products and services offered by DBS bank comes with several beneficial features which are customisable and innovated, and are designed to meet the changing needs of the customers. The different plans are suited for different requirements and thus, DBS medical and health insurance scheme covers a wide range of problems with its solutions.

    Types of DBS Medical and Health Insurance

    There are different types of medical and health insurance offered by DBS bank for its customers. These are tailored to cater to provide ultimate coverage for the insured in an event of medical problems or health issues. The list below will help you to know more about the types of medical and health insurance.

    • Dental Insurance
    • Woman's Care
    • My Care
    • My Shield
    • My Shield Plus

    Dental Insurance

    This particular dental insurance scheme offered by DBS is an MSIG Insurance underwritten policy, which allows you to avail the medical clinics that are approved and recognised under the plan without any cost. You can also enjoy the twenty four hour hotline service in case of any dental problems.

    Features and Benefits of DBS Dental Insurance

    Avail dental radiology, preventive checks, root canal treatment at clinics all across the island

    The coverage limit that you can enjoy with this plan is as high as SGD 2,000 per annum

    If you go to any of the approved clinics, you will not have to pay any charges. However, the preferential rates are not covered under the Dental Insurance scheme

    Details of the Product

    BENEFITS LIMITS OF BENEFIT
    CLASSIC PLATINUM VIP
    Contract Out of Contract Contract Out of Contract Contract Out of Contract
    Overall Limit in case of each Policy Year SGD 1,500 SGD 1,500 SGD 2,000

    Dental Services (Emergency)

    Necessary emergency medical services provided by a dentist

    100 percent coverage Up to SGD 55 for every visit 100 percent coverage Up to SGD 55 for every visit 100 percent coverage Up to SGD 55 for every visit

    Dental Benefits (Preventive)

    Medically necessary preventive dental services provided by a dentist

    100 percent coverage

    1 visit for each Policy Year

    Up to SGD 55

    1 visit for each Policy Year

    100 percent coverage

    1 visit for each Policy Year

    Up to SGD 55

    1 visit for each Policy Year

    100 percent coverage

    1 visit for each Policy Year

    Up to SGD 55

    1 visit for each Policy Year

    Dental Benefits (Radiology)

    Dental radiology services:

    (A) up to two x-ray of bitewing intraoral issues in the Policy Year; or

    (B) one anterior or posterior, or lateral skull, along with facial bone x ray in the Policy Year; or

    (C) one x ray (panoramic) in the Policy Year.

    Access to preferential rates offered by contractual providers No particular benefit

    100 percent coverage

    One x-ray in every Policy Year

    Up to SGD 60 in every Policy Year

    One x-ray in every Policy Year

    100 percent coverage

    One x-ray in every Policy Year

    Up to SGD 60 in every Policy Year

    One x-ray in every Policy Year

    Conservative Benefits for Fillings

    Necessary medical conservative treatments required for:

    (A) permanent amalgam, one or two surfaces

    (B) Permanent composite/resin, One or Two surfaces

    100 percent coverage

    Maximum two Teeth in every Policy Year

    Maximum two Teeth in every Policy Year (up to SGD 140)

    100 percent coverage

    Maximum two Teeth in every Policy Year

    Maximum two Teeth in every Policy Year (up to SGD 140)

    100 percent coverage

    Maximum two Teeth in every Policy Year

    Maximum two Teeth in every Policy Year (up to SGD 140)

    Benefits of Non Surgical Extraction

    Necessary dental extractions limited to:

    (A) simple extraction, that is, exposed or erupted tooth

    (b) complicated extraction, that is, partially bony root or tooth

    100 percent coverage

    One Tooth in each Policy Year

    One Tooth in each Policy Year (up to SGD 100)

    100 percent coverage

    One Tooth in each Policy Year

    One Tooth in each Policy Year (up to SGD 100)

    100 percent coverage

    Maximum of two Teeth in each Policy Year

    Maximum of two Teeth in each Policy Year (Each tooth for SGD 100)

    Root Canal Treatments (Endodontic Benefits)

    Necessary tooth extractions limited to:

    (A) root canal

    (B) therapeutic pulpotomy (the final restoration excluded)

    Access to preferential rates offered by contracted providers No particular benefit Access to preferential rates offered by contracted providers No particular benefit

    80 percent coverage

    One treatment in each Policy Year

    50 percent coverage

    One treatment in each Policy Year

    Premiums to be Paid

    Premium CLASSIC PLATINUM VIP
    Premium (on a monthly basis) SGD 19.90 SGD 29.90 SGD 39.90
    Premium (on a yearly basis) SGD 238.80 SGD 358.80 SGD 478.80

    Eligibility for Dental Insurance

    All citizens and residents of Singapore who are DBS customers and fall between the age group of 18 years to 60 years can apply for the insurance scheme. You can also apply for this insurance scheme along with your spouse.

    Woman’s Care

    This particular insurance plan offers comprehensive coverage for the women of Singapore. One of the biggest factors causing death in Singapore in cancer. Several women face breast cancer in Singapore and fighting cancer can prove to be very costly. Underwritten by MSIG Insurance, the Woman’s Care Insurance scheme provides financial support when you are diagnosed with a critical illness. Along with the regular plans for the health insurance, you can also avail a payout sum which is a lump sum amount.

    Features and Benefits of Woman’s Care

    • The cover amount that can be availed under the DBS Medical and Health Insurance is up to an amount of SGD 45,000
    • Apart from providing protection against cancer, the plan also offers cover against colorectal cancer, lymphoma cancer and leukemia
    • For the Classic Plan, the per day premium is as low as SGD 0.25

    Details of the Product

    Cancer Types Woman's Care
    Premier Classic
    1. Female Cancer caused to the following parts:

    • Cervix
    • Breast
    • Uterus
    • Fallopian Tubes
    • Ovary
    • Vulva
    SGD 45,000 SGD 25,000
    2. Major Cancer SGD 36,000 SGD 20,000

    Premium to be Paid

    Age Premier Classic
    Monthly Annually Monthly Annually
    18 to 30 SGD 9.10 SGD 109.20 SGD 7.60 SGD 91.20
    31 to 35 SGD 12.25 SGD 147.00 SGD 10.20 SGD 122.40
    36 to 40 SGD 16.58 SGD 198.96 SGD 13.95 SGD 167.40
    41 to 45 SGD 22.00 SGD 264.00 SGD 18.45 SGD 221.40
    46 to 50 SGD 33.92 SGD 407.04 SGD 28.35 SGD 340.20
    51 to 55 SGD 39.58 SGD 474.96 SGD 33.10 SGD 397.19
    56 to 60 SGD 47.75 SGD 73.00 SGD 39.95 SGD 479.40
    61-65 (Only Renewals) SGD 57.75 SGD 693.00 SGD 48.35 SGD 580.20

    Eligibility for Woman’s Care Plan

    All the women who are permanent residents of Singapore or citizens of Singapore can apply for this insurance schemes. They must be within the age group of 18 years to 60 years.

    My Care

    This insurance policy, also known as the Elder Shield, is a comprehensive scheme that offers coverage against severe disability. You can avail payouts that are higher and the premiums remain the save over the years.

    Features and Benefits of My Care Insurance

    • You can avail coverage under this particular scheme if severe disability strikes you, The payout is in cash which suggests that you can use the money as per your convenience
    • You can continue to make claims even after you stop making the payments for the premiums. In the benefit payout duration, all your premiums are waived off
    • In case you are not able to perform two Daily Living activities, the rehabilitation benefit of the insurance lets you
    • You can avail more cash for your loved ones (SGD 200) every month for thirty six months. For this, you must have a child whose age is below 21 years

    Details of the Product

    ElderShield 400 My Care
    Requirements for the Benefit Payouts Inability to make at least three out of six ADL
    Duration of Benefit Payout Up to Six years (Seventy Two months) Payout for a lifetime (unlimited) or up to 12 years (144 months)
    Benefits of Severe Disability (Monthly Basis) SGD 400 SGD 600 to SGD 5,000 (in increments of SGD 100) including the benefit of basic ElderShield
    Lump Sum Nil Additional three times of your 1st monthly benefit
    Benefit of Rehabilitation Nil 50 percent of the monthly benefit up to end of duration of Benefit Payout
    Benefit of Dependent Care Nil Additional SGD 200 per month up to thirty six months if you have a child of 21 years or below at the time of claim
    Benefit after Death Nil Additional three times the last withdrawn monthly benefit

    Wait Period Ninety days / Waived in case of accidental causes and auto coverage Not Applicable
    Deferment Period Ninety days Ninety days
    Term of Premium Payment Till the age of 66 Lifetime or till the age of 66 years, or for twenty years from entry age

    My Shield

    The medical care costs can be very expensive in Singapore if you do not have adequate insurance cover. DBS offers My Shield Insurance which is a one of a kind cover that offers comprehensive coverage and helps you to tackle the high medical expenditures.

    Features and Benefits of My Shield Insurance

    • All the bills for your hospital expenses are taken care of by the My Shield Insurance scheme
    • You can get a life time cover and the renewability is guaranteed
    • Avail interim cover of up to an amount of SGD 30,000
    • You can use CPF Medisave to make the payments for your premium
    • For children below the age of 20 years, the coverage is free

    Details of the Product

    Plan One Covers all the hospitalisation costs in A1 private ward. The maximum claim limit of SGD 650,000 is for each policy year and limitless over lifetime
    Plan Two Covers all the restructured or government ward. The maximum claim limit of SGD 400,000 is for each policy year and limitless over lifetime.
    Plan Three Covers all the B1 restructured or government ward. The maximum claim limit of SGD 150,000 is for each policy year and limitless over lifetime.

    Benefits

    (All Amounts given are in SGD)

    Plan One Plan Two Plan Three
    Type of Hospital Ward All Private Ward All Government and Restructured Ward All B1 Government and Restructured Ward
    Benefits of In-patients
    Daily Room and Board As per charges As per charges As per charges
    Intensive Care Unit
    Miscellaneous Services at Hospital (includes surgical implants and all the consumables that are approved medically)
    Benefits of Surgery (includes Radiosurgery and day surgery)
    Benefits for Major Organ Transplant (includes the cost of procurement of organs from a cadaveric donor)
    Dental Treatment for In patient who met with an accident (within fourteen days following Accident)
    Doctor's Visit in hospital (Daily basis)
    Consultation with Specialist before Hospitalisation (within ninety days before admission) and Accident and Emergency (A&E) Treatment (within twenty four days before admission)
    Laboratory Services and Pre-Hospital Diagnostics (within ninety days before admission)
    The follow up treatment after hospitalisation (within ninety days post discharge)
    Confinement in the Community Hospital (Up to forty five days for each Policy Year)
    Congenital Anomalies for In-patient (after wait period of twenty four months)
    Congenital Anomalies for in-patients without the Surgical Benefits (1st diagnosed within wait period of twenty four months). Fees for surgery are not payable.

    Up to SGD 450 each day or Up to SGD 900 each day

    for the Intensive Care Unit

    Pregnancy Complications for In-patient (after the waiting period of ten months) As per charges As per charges As per charges
    Organ Transplant for Living Donor (after the waiting period of twenty four months) SGD 50,000 SGD 30,000 SGD 20,000
    Catastrophic Treatments for Outpatient
    Kidney Dialysis for Outpatient (includes Erythropoietin drug as a part of treatment for the chronic renal failure) As per charges As per charges As per charges
    Treatment for Outpatient Cancer: Chemotherapy / Radiotherapy / Immunotherapy As per charges As per charges As per charges
    Organ Transplant – Immunosuppressant Drugs that are approved (including Tacrolimus and Cyclosporin) As per charges As per charges As per charges
    Final Expenses Benefit SGD 1,000
    Special Benefits
    Extra In-patient Coverage for Major Stroke due to Cancer, Heart Attack, Lung Disease (last Stage), Liver Disease (Final Stage) each Policy Year SGD 150,000 SGD 100,000 SGD 50,000
    In-patient Psychiatric Treatment for every policy year (within ten months of the continuous coverage)

    As per charges

    up to sixty days

    As per charges

    up to sixty days

    As per charges

    up to sixty days

    In-patient Psychiatric Treatment for every policy year (within ten months of the continuous coverage) SGD 100 every day up to thirty five days
    Free Cover for the Children (as per Plan 2 for children up to twenty years old, provided both parents go for either Plan 1 or Plan 2) Yes Yes Not Applicable
    In-patient Medical Complain that is outside Singapore

    As per charges

    (pegged according to costs of Private Hospitals in Singapore)

    As per charges

    (pegged according to costs of Private Hospitals in Singapore)

    As per charges

    (pegged according to costs of Private Hospitals in Singapore)

    Pro-ration Factor
    Medical Institutions or Private hospitals and Hospitals that are not in Singapore Not Applicable 50 percent 35 percent
    Restructured Hospitals (Class A) Not Applicable Not Applicable 85 percent
    Un-subsidised wards in the Community Hospitals Not Applicable Not Applicable 85 percent
    Annual Deductible for Insured Individuals 80 years old and below
    In patient
    Class C Ward SGD 1,500 SGD 1,500 SGD 1,500
    Class B2 Ward SGD 2,000 SGD 2,000 SGD 2,000
    Class B1 Ward SGD 2,500 SGD 2,500 SGD 2,500
    Class A1 Ward / Private Hospital and Hospitals not in Singapore SGD 3,500 SGD 3,500 SGD 3,500
    Day Surgery SGD 3,000 SGD 3,000 SGD 2,000
    Co-Insurance

    10 percent

    Maximum SGD 25,500 each Policy Year

    Limit of Maximum Claim
    Policy Year Limit SGD 650,000 SGD 400,000 SGD 150,000
    Lifetime Limit Limitless Limitless Limitless
    Age Limits
    Final Entry Age Seventy five years old Seventy five years old Seventy five years old
    Maximum Coverage Age Lifetime Cover Lifetime Cover Lifetime Cover

    Premium to be Paid

    Annual Premium per individual in Singapore Dollars
    Age Next Birthday Plan One Plan Two Plan Three
    1 - 20 SGD 198.37 SGD 133.89 SGD 118.80
    21 - 30 SGD 232.83 SGD 162.00 SGD 137.05
    31 - 40 SGD 383.17 SGD 267.21 SGD 201.70
    41 - 45 SGD 687.31 SGD 523.09 SGD 394.89
    46 - 50 SGD 800.00 SGD 550.38 SGD 410.24
    51 - 55 SGD 1,129.63 SGD 799.81 SGD 615.18
    56 - 60 SGD1,204.78 SGD 824.70 SGD 622.78
    61 - 65 SGD1,589.08 SGD1,205.14 SGD 920.59
    66 - 70 SGD 2,215.22 SGD 1,723.16 SGD 1,237.58
    71 - 73 SGD 2,967.60 SGD 2,313.71 SGD 1,667.43
    74 - 75 SGD 3,471.96 SGD 2,691.55 SGD 1,948.10
    76 - 78 SGD 4,533.19 SGD 3,431.74 SGD 2,649.42
    79 - 80 SGD 5,249.99 SGD 3,746.07 SGD 2,733.25
    81 - 83 SGD 6,801.10 SGD 4,738.06 SGD 3,599.17
    84 - 85 SGD 7,070.58 SGD 4,825.84 SGD 3,646.49
    86 - 88 SGD 7,597.35 SGD 5,663.40 SGD 4,120.90
    89 - 90 SGD 7,748.31 SGD 5,668.85 SGD 4,245.49
    91 - 93 SGD 7,994.00 SGD 5,711.30 SGD 4,497.50
    94 - 95 SGD 8,153.60 SGD 5,824.00 SGD 4,663.30
    96 - 98 SGD 8,317.40 SGD 5,941.60 SGD 4,771.30
    99 - 100 SGD 8,482.60 SGD 6,061.30 SGD 4,913.30

    My Shield Plus

    You are entitled to all the key benefits of My Shield Insurance with My Shield Plus as this plan is a rider My Shield Insurance. This particular policy covers all the payments of coinsurance and deductibles. It reduces the impact of medical expenditures on you.

    Details of the Product

    Benefits

    (All Amounts in Singapore Dollars)

    Plan One Plan Two Plan Three
    Type of Hospital Ward All A1 Private Ward All Government or Restructured Ward All B1 Government or Restructured Ward
    Benefits (OPTION A)
    1) Benefits of Co-Insurance As incurred under the policy MyShield

    2) Benefits when diagnosed with Critical Illness

    (up to an age of 65 years)

    SGD 10,000 SGD10,000 SGD 10,000
    3) Benefits related to Hospital
    a) Cash Benefit at Hospital (Daily basis)

    SGD 300 every day

    If admitted to any Restructured or Government Ward

    SGD 150 every day

    If admitted to any B1 Class or lower of Singapore Restructured or Government Ward

    SGD 100 every day

    If admitted to any B2 Class or lower of Singapore Restructured or Government Ward

    b) Transport by Taxi or Ambulance Fees to

    Hospital (per illness

    or injury)

    SGD 80 SGD 80 SGD 80

    c) Accommodation

    Charges for Guardian or Parent of the Insured

    Child

    SGD 80

    Up to ten days

    SGD 65

    Up to ten days

    SGD 50

    Up to five days

    d) Follow up Traditional Chinese Medicine Treatment after hospitalisation

    (up to ninety days

    post discharge)

    SGD 45 SGD 45 SGD 45

    4) Free Coverage for

    Children

    Applicable Applicable Not Applicable
    5) Child Benefit Accidental Coverage SGD 1,000
    6) MyShield Advanced Benefits

    a)Congenital

    Anomalies of In-patients

    As per charges after twelve months Wait Period
    b) Follow Up Treatment Post-Hospitalisation As per charges within 180 days post discharge
    c)Community Hospital Confinement As per charges up to sixty days for every Policy Year
    d)Dental Treatment for In-patient (Accidental) As per charges within 31 days after Accident
    BENEFITS (OPTION C)

    7) All the mentioned benefits under

    Option A according

    to the chosen plan

    excluding the Free

    Coverage for

    Children

    Applicable Applicable Applicable
    8) Preferred Rate in case of Children Applicable Applicable Not Applicable

    9) Deductibles as incurred

    under the policy MyShield

    Applicable Applicable Applicable

    Premiums to be Paid

    MyShield Plus Option A Premium Tables

    Annual Premium for each Individual in Singapore Dollars
    Age Next Birthday Plan One Plan Two Plan Three
    1 - 20 SGD 66.24 SGD 43.00 SGD 31.47
    21 - 30 SGD 109.00 SGD 47.25 SGD 37.01
    31 - 40 SGD 115.00 SGD 55.00 SGD 44.00
    41 - 45 SGD 115.00 SGD 108.50 SGD 88.70
    46 - 50 SGD 115.00 SGD 110.40 SGD 107.00
    51 - 55 SGD 152.00 SGD 148.00 SGD 139.00
    56 - 60 SGD 290.00 SGD 255.00 SGD 233.40
    61 - 65 SGD 553.25 SGD 488.94 SGD 441.80
    66 - 70 SGD 750.00 SGD 661.00 SGD 539.00
    71 - 73 SGD 788.00 SGD 701.00 SGD 581.10
    74 - 75 SGD 793.00 SGD 701.00 SGD 581.10

    MyShield Plus (Option C) Premium Tables

    Annual Premium per person in Singapore Dollars
    Age Next Birthday Plan One Plan Two Plan Three
    Preferred Rates for

    Children 1 - 20

    Not Applicable SGD 160.00 Not Applicable
    1 - 20 SGD 331.00 SGD 203.00 SGD 173.00
    21 - 30 SGD 378.00 SGD 238.01 SGD 202.01
    31 - 40 SGD 384.00 SGD 251.00 SGD 213.00
    41 - 45 SGD 384.00 SGD 338.00 SGD 275.00
    46 - 50 SGD 384.00 SGD 365.00 SGD 310.00
    51 - 55 SGD 425.00 SGD 406.00 SGD 345.00
    56 - 60 SGD 572.00 SGD 521.00 SGD 443.00
    61 - 65 SGD 1120.00 SGD 885.00 SGD 752.00
    66 - 70 SGD 1561.00 SGD 1345.00 SGD 1143.00
    71 - 73 SGD 1600.00 SGD 1500.00 SGD 1275.00
    74 - 75 SGD 1605.00 SGD 1500.00 SGD 1275.00

    Frequently Asked Questions

    1. What is waiting period?
    2. Waiting period is the time when the benefits are not payable. For the dental insurance, there is a 90 days waiting period from the date of commencement of the insurance policy.

    3. Is it absolutely compulsory that I go to a dentist recognised by the Contract Providers only?
    4. You can choose to go to a dentist under the Contract Providers or you may go to dentist who does not fall under the contract.

    5. What is covered under the Female Cancer benefit?
    6. The insurance scheme offers coverage for Breast cancer along with cancer in different body parts including uterus, cervix, vulva, fallopian tube, ovary.

    7. What is survival period?
    8. The time between the diagnosis of the cancer disease and the date of claim is known as the survival period.

    9. Can I purchase more than 1 Woman’s Care Insurance Policy?
    10. No, each person can purchase only one Woman’s Care Insurance Policy offered by DBS Bank.

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