• DBS Personal Accident Insurance

    Life is full of unexpected and unprecedented activities and you must be ready to tackle all situations. Accidents can happen and it is best to protect yourself against all such problems. The Personal Accident Insurance offers a lump sum amount to provide you with financial support in the event of an accident. Once the financial problems are dealt with, you can concentrate on the major issue in a better way. Choose the plan that is best for you and caters to all your needs.

    DBS is one of the leading banks in the world and has made its presence felt in Singapore from the day it commenced its operations there. There are several products and services that the banks offers which are extremely innovative. The solutions are tailored to meet the changing requirements of the customers. The different plans under the DBS Personal Accident Scheme provide comprehensive coverage for the consumers. The insurance scheme offers you the upfront money that you require to tackle an unfortunate event caused due to some accident. Choose the one that is best suited for you and enjoy the peace of mind that you deserve.

    Types of DBS Personal Accident Insurance Scheme

    There are different types of insurance plans under the DBS Accident Insurance Scheme. Every plan is different from the other to cater to a wide range of needs and demands of the consumers. Select the plan that suits you the best. The list below will help you to know more about these plans.

    • We Care
    • Active Care
    • Kids Care
    • Maid Insurance

    DBS We Care Insurance Plan

    We all know that accidents can happen anytime and we must prepare ourselves accordingly so that handling such situations is not a problem. Underwritten by the MSIG Insurance, DBS We Care offers extensive coverage against accidents for its customers. People who fall under the age group of eighteen years to sixty five years can be covered under this particular insurance policy.

    Features and Benefits of DBS We Care Insurance Plan

    • You can avail a total coverage of up to an amount of SGD 200,000 under the Premier Plan and can also enjoy up to six benefits
    • Including the Traditional Chinese Medication, you can get benefits of medical expenses up to an amount of SGD 3,000 for any injury caused due to an accident
    • You might face termination from your current employment due to permanent or total disability or death due to accident. In such a situation, the income protection can be availed up to six months
    • The coverage of death due to accident or any permanent or complete disability increase by ten percent in every five years automatically

    Details of the Product

    BENEFITS CHOICE OF THE PLAN
    CLASSIC PLAN PREMIER PLAN
    INSURED SUM
    1. Death caused due to an accident SGD 100,000 SGD 200,000

    2. Permanent or total disablement

    The Lump sum payment is subject to compensation scale for Permanent or Total Disablement

    Up to

    SGD 100,000

    Up to

    SGD 200,000

    3. Income Protector

    It pays for the loss of monthly income or salary if:

    • 100 percent of Permanent or Total Disablement Benefit is payable, and
    • the permanent employment is terminated by the employer of the insured person; or the registered business of a person is terminated

    Up to

    six months basic salary and maximum of SGD 20,000 each Injury

    Up to

    six months basic salary and maximum of SGD 30,000 each Injury

    4. Accidental Medical Expenditures

    Reimbursement of the medical expenditures and the treatment charges by Physician (Including the Treatment by a registered Traditional Chinese Medicine Practitioner in Singapore)

    Maximum of SGD 1,500 for

    each Injury

    Traditional Chinese Medicine: Up to

    SGD 50 for every visit and maximum of SGD 500 for each Injury

    Maximum of S$3,000 for

    each Injury

    Traditional Chinese Medicine: Up to

    SGD 50 for every visit and maximum of SGD 500 for each Injury

    5. Special Hospitalisation Benefit (Daily Basis)

    hospitalisation benefit as the result of following illness certified by the Physician:

    • Dengue Fever
    • Influenza A (N1N1)
    • Avian Influenza (Bird Flu)
    • Food Poisoning

    SGD 150 for each day

    Up to

    ninety days per occurrence

    6. Increase in Benefit (Automatic)

    increase in original sum insured for Accidental Death and Total or Permanent Disability upon renewal of Insurance Policy

    10 percent increase in Accidental Death and Total or Permanent Disability

    Up to

    five consecutive years

    Premiums to be Paid

    Premium Classic Premier
    Annually SGD 222.30 SGD 324.90

    Eligibility for DBS We Care Insurance Plan

    Any individual who is a permanent resident of Singapore or Singaporean citizen and between the age group of 18 years to 65 years is eligible for the DBS We care Insurance Plan.

    DBS Active Care Insurance Plan

    Active Care Insurance Plan offered by DBS Bank offers comprehensive coverage for all the customers of the bank who are between the age group of forty years and below seventy one years. The benefits for medical expenses are high and the plan supports you financially in the event of dislocations, fractures, etc.

    Features and Benefits of DBS Active Care Insurance Plan

    • You can get up to SGD 2,250 as medical expenses benefit in the event of an accident. The Traditional Chinese Medicine Treatment is also included in this.
    • For any kind of dislocations, burns or fractures, you can avail a lump sum coverage amount of SGD 15,000
    • The coverage benefits increase by 5 percent every five years for death due to accident or permanent and total disability
    • Premiums that are to be paid are as low as SGD 0.60 per day for the Classic plan
    • The premiums never go up with the age

    Details of the Product

    BENEFITS CHOICE OF THE PLAN
    CLASSIC PLAN SUPERIOR PLAN
    INSURED SUM
    1. Death due to accident
    SGD 50,000 SGD 75,000
    1. Permanent or Total Disability
    2. The lump sum benefit that is subject to scale of the permanent disablement or loss as per specified in the Insurance Policy.

    Up to

    SGD 50,000

    Up to

    SGD 75,000

    1. Care for a Long Term
    2. The lump sum amount following inability of Insured Person to perform at least three of the Daily Living Activities including bathing and washing, feeding, dressing, Toileting, mobility, etc. that is subject to ninety day Deferment Period.
    SGD 15,000 SGD 22,500
    1. Burns, Dislocations and Fractures
    2. The lump sum amount that is subject to the scale of Burns, Dislocations and Fractures as per specified in Insurance Policy

    Up to

    SGD 10,000

    Up to

    SGD 15,000

    1. Coverage Benefit for Daily Hospitalisation
    2. Benefit per day an Insured Individual is Hospitalised as direct result of an Injury certified by any Physician.

    SGD 100 for each day

    Up to a maximum of

    180 days for each Injury

    SGD 150 for each day

    Up to a maximum of

    180 days for each Injury

    1. Accidental Medical Expenses
    2. Reimbursement of medical expenses and treatment charges by a Physician (including treatment by registered TCM practitioner in Singapore)

    Maximum of SGD 1,500

    for each Injury

    Traditional Chinese Medication of Up to

    SGD 50 for every visit;

    A maximum of SGD 500 for every injury

    Maximum of SGD 2,250

    for each Injury

    Traditional Chinese Medication of Up to

    SGD 50 for every visit;

    A maximum of SGD 500 for every injury

    1. Increase in the Benefit (Automatic)
    2. Increase in the original amount insured for Accidental Death and Total or Permanent Disability upon the renewal of Insurance Policy

    5 percent increase in Accidental Death and Total or Permanent Disability

    up to five consecutive years

    Premiums to be Paid

    CLASSIC PLAN
    Premium My Spouse and Myself My Spouse and I
    Annually SGD 210.90 SGD 379.62

    SUPERIOR PLAN
    Premium My Spouse or Myself My Spouse and I
    Annually SGD 290.70 SGD 523.26

    Eligibility for DBS Active Care Insurance Plan

    All residents of Singapore who are between the age of 40 and below 71 years are eligible for the DBS Active Care Insurance Plan. Contact the bank for more information about the eligibility criteria.

    DBS Kids Care Insurance Plan

    There can be so many things that are important to you in life. But nothing is more precious than your children. Your kids desire to know and learn more and, thus, they, explore. But you must understand that such explorations can lead to accidents, knocks and falls. You must be well prepared for such a situation. The DBS Kids Care Insurance Plan supports you financially in an unfortunate event and helps you to tackle the situation at ease.

    Features and Benefits of DBS Kids Care Insurance Plan

    • Avail the special hospitalisation benefit on a daily basis for hand, mouth and foot diseases, food poisoning, Influenza H7N9 or H1N1, dengue fever, etc.
    • The coverage benefit increases by 5 percent every five years for total or permanent disability or death due to accident
    • The premium amount never goes up with the age
    • For the Value Plan, the premiums to be paid are as low as SGD 0.36 per day

    Details of the Product

    BENEFITS CHOICE OF THE PLAN
    VALUE PLAN CLASSIC PLAN
    INSURED SUM

    1. Permanent or Total Disability

    The lump sum compensation that is subject to compensation scale for the permanent or total disability

    Up to

    SGD 50,000

    Up to

    SGD 100,000

    2. Education Fund for Child

    The lump sum payment in event of the accidental death of Policyholder, thai is, the parent

    SGD 15,000 for each child SGD 30,000 for each child

    3. Accidental Medical Expenses for both Out-patient and In-patient

    The reimbursement of actual expenses for surgical and medical treatment (includes the Traditional Chinese Medical Treatment, up to SGD 50 for each visit, maximum of SGD 500 for each Injury)

    For Outpatient:

    Up to an amount of

    SGD 1,000 for every Injury

    For Inpatient:

    Up to an amount of

    SGD 2,000 for every Injury

    For Outpatient:

    Up to an amount of

    SGD 2,000 for every Injury

    For Inpatient:

    Up to an amount of

    SGD 4,000 for every Injury

    4. Cash Benefit for Hospitalisation (Daily Basis)

    Daily benefit in case Insured Individual is Hospitalised as direct result of an Injury certified by any Physician

    SGD 100 each day;

    up to ninety days for each Injury

    SGD 200 each day;

    up to ninety days for each Injury

    5. Special Hospitalisation Benefit (Daily Basis)

    Daily benefit if the Insured Person is Hospitalised due to:

    • Influenza A (H1N1 and H7N9)
    • Hand, Foot and Mouth Disease
    • Food Poisoning
    • Dengue Fever

    SGD 100 for each day;

    Up to ninety days per Occurrence

    SGD 200 for each day;

    Up to ninety days per Occurrence

    6. Increase in Benefit (Automatic)

    An increase in the original sum insured for TPD upon renewal of the Policy

    5 percent increase in Permanent or Total Disability

    up to five consecutive years

    Premiums to be paid

    VALUE
    Number of children Premium (Annual)
    One child SGD 123.12 for every child
    Two children or more SGD 110.81 for every child

    CLASSIC
    Number of children Premium (Annual)
    One child SGD 210.90 for every child
    Two children or more SGD 189.81 for every child

    Eligibility for DBS Kids Care Insurance Plan

    All the customers of DBS Bank who have legally adopted kids or biological children below the age of nineteen years, and a resident of Singapore, can apply for the DBS Kids Care Insurance Plan. The benefits of the Kids Care Insurance plan can be availed the customers of both DBS Bank and POSB.

    DBS Maid Insurance Plan

    You might be extremely busy with your office work and might require an extra pair of hands to help you with the household chores. Hence, you need a maid who helps you with your everyday work at home. The DBS Maid Insurance is quick and hassle free to apply for. The plan is underwritten by MSIG Insurance and meets all the requirements of MOM (Ministry of Manpower).

    Features and Benefits of DBS Maid Insurance Plan

    • The personal accident coverage is up to an amount of SGD 40,000
    • The coverage for all Surgical and Hospital expenses is up an amount of SGD 15,000 per annum
    • In case of an accident, the benefit of medical expenses can be up to an amount of SGD 1,000
    • You can choose from the optional covers to enhance your Maid Insurance plan offered by DBS Bank
    • The application process in quick and hassle free as it can be done online

    Details of the Product

    BENEFITS SUM INSURED OR LIMIT
    1. Personal Accident
    • Death due to accident
    SGD 40,000
    • Permanent Disability
    • (The lump sum amount is subject to compensation scale for the Permanent or Total Disability)
    SGD 40,000
    • Medical Expenses caused due to an Accident
    • (including treatment by registered Chinese Medicine Practitioner or Chiropractor to a maximum SGD 100 for each injury)
    A maximum of SGD 1,000 for each injury
    2. Surgical and Hospital Expenditures
    • Day Care Surgery
    • Inpatient expenses incurred in restructured or Government of Singapore hospitals from C Ward up to B2 Ward charges
    • Ninety days of pre-hospital diagnostics and follow-up post-hospital treatment
    SGD 15,000 every year
    3. Maid Expenses (Replacement) SGD 500
    4. Levy Reimbursement and Wages

    SGD 30 for each day;

    maximum up to 30 days

    5. Expenses for Repatriation SGD 10,000
    6. Expenses for Termination SGD 300
    7. Special Grant

    (Payment made to the personal legal representative of the foreign domestic helper in event of the maid’s death in course of the employment)

    SGD 2,000
    8. Third Parties Liabilities SGD 5,000
    9. Personal Belongings of the maid SGD 300
    10. Insurance Guarantee Bond for MOM (Ministry Of Manpower) SGD 5,000
    Optional Covers  
    11. Additional Surgical and Hospital Expenditures per SGD 5,000 Sum Insured Up to SGD 15,000 every year
    12. Counter Indemnity Waiver SGD 5,000 (It is subject to an excess of SGD 250)
    13. Liability of the employer (Two Optional Limits) (i) SGD 300,000

    or

    (ii) SGD 500,000

    14. Insurance Guarantee Bond

    (to the Philippine Overseas Labour Office in Singapore)

    (i) SGD 2,000 (for hiring via accredited maid agency)

    or

    (ii) SGD 7,000 (for hiring directly or via a non-accredited maid agency)

    Premiums to be Paid

    Twenty Six months policy Premium
    Basic Plan SGD 246.10
    Basic Plan along with Counter Indemnity Waiver SGD 299.60
    Optional Covers  
    Additional Surgical and Hospital Expenses

    - SGD 5,000

    - SGD 10,000

    - SGD 15,000

    SGD 53.50

    SGD 107.00

    SGD 160.50

    Liability of the employer

    - SGD 300,000

    - SGD 500,000

    SGD 26.75

    SGD 37.45

    Insurance Guarantee Bond (as per requirement of Philippine Overseas Labour Office in Singapore)

    - SGD 2,000

    - SGD 7,000

    SGD 48.15

    SGD 80.25

    Frequently Asked Questions

    1. What is covered by the Maid Insurance?
    2. The Maid Insurance is a comprehensive and extensive insurance scheme that includes several benefits like cover for death die to accident, permanent or total disability coverage, surgical and hospital expenditures, expenses for replacement of maid, levy reimbursement and wages, expenses for repatriation, Insurance Guarantee Bond, etc.

    3. What should I do if the I want to increase the Surgical and Hospital Expenses cover for by domestic helper?
    4. In order to increase the Surgical and Hospital Expenses cover for your domestic helper you can consider purchasing the additional cover of up to an amount of SGD 15,000 per annum with an added premium.

    5. Is my child covered during the National Service?
    6. Absolutely. All your children are protected under the Kids Care Policy during the full time National Service. Read the policy more to learn about the terms and conditions.

    7. Are there any occupations which are not covered under the Active Care Insurance Policy?
    8. Yes, there are different occupations which are not covered by the Active Care Insurance Policy offered by DBS Bank. These include law enforcement officer, military personnel, civil defense officer, fire fighter, professional sports person, security officer or guard, diver, ship crew, fisherman, oil rigger, shipyard worker, aircraft technician, air crew, quarry workers, demolition workers, construction workers, maintenance staff, cleaning staff, workers involved with roofing or other repairs, workers dealing with explosives, hazardous gases or poisonous substances, etc.

      However, the people with the above mentioned occupations can also apply when they are not involved in their duty. When an injury occurs due to an accident, they must not be in their course of employment. Please, contact the bank to know more about the list of exclusions.

    9. Are there situation when the benefits are not payable?
    10. Some of the key exceptions are mentioned below. This will help you to understand about situations wherein the benefits will not be payable.

      • Conditions that are pre existing
      • Air travel, unless you are traveling as one of the passengers in a licensed passenger aircraft
      • Self injury, suicide or deliberate exposure to any peril
      • Childbirth or pregnancy
      • Acts of terrorism, war, radioactive contamination or ionising radiations
      • Injury caused to the insured individual under the influence of drugs or alcohol
      • Adventurous sports activities that include scuba diving, mountaineering, racing, parachuting, etc.
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