Chubb Personal Accident Insurance

No one really knows when an accident might strike. If and when it does, it can lead to quite a few complications. Such accidents might leave you or your loved ones with hefty medical bills to pay and this can be a sudden financial burden.  Smart Life Builder by Chubb is a comprehensive personal accident insurance plan, which is designed to provide compensation and support in such situations.

You can choose from three detailed plans which provide you cover all over the globe. In addition to this, these plans are made to be affordable enough to fit in your budget easily.

Cover Offered by Smart Health Builder

Here are the details of the various coverages offered by this insurance policy:

Cover Offered Adult Dependent
Classic Premier Deluxe Classic Premier Deluxe
Accidental Death S$75,000 S$100,000 S$150,000 S$10,000 S$20,000 S$30,000
Accidental Total Permanent Disability S$150,000 S$200,000 S$300,000 S$10,000 S$20,000 S$30,000
Hospitalisation Cover S$100 S$200 S$300 S$50 S$100 S$150
Recuperation Benefit S$300 S$400 S$500 S$150 S$150 S$150
Household Bills Compensation S$300 S$400 S$500 NA NA NA
Medical Bill Compensation S$800 S$1,200 S$1,500 NA NA NA
Cover for Theft of Wallet or Handbag S$200 S$200 S$200 NA NA NA
Replacement of Money and Documents S$1,000 S$1,000 S$1,000 NA NA NA

Premium Payment

You can choose to go for the monthly payment or annual payment plan. If you opt for the annual payment plan, you are entitled to a discount of 10% on the policy premium. Here is what your premium payment will look like, depending on the plan you choose to purchase:

Annual Payment Plan ( 10% discount) Classic Premier Deluxe
Main Insured S$20.52 S$27.69 S$39.12
Main Insured & Partner S$41.04 S$55.38 S$78.24
Main Insured & Family S$49.17 S$70.66 S$100.69
Main Insured & Dependent S$28.64 S$42.97 S$61.57
Monthly Payment Plan Classic Premier Deluxe
Main Insured S$221.62 S$229.05 S$422.50
Main Insured & Partner S$443.23 S$598.10 S$844.99
Main Insured & Family S$530.92 S$763.12 S$1087.45
Main Insured & Dependent S$309.32 S$464.08 S$664.96

Things to Consider Before Buying Smart Health Builder

Here are some things that you should consider before buying this insurance plan:

  • No medical check-up is required for this insurance plan.
  • Pre-existing conditions will not be covered by this insurance plan.
  • Hospitalisation cover is provided once every 24 hours, for a period of not more than 1 year.
  • Chubb can make amendments to terms and conditions, and premium by giving you a notice of 30 days.
  • You cannot use Medisave to make payments for premium.

Eligibility Criteria 

There are certain criteria that you have to meet if you want to purchase this insurance policy which are as follows:

  • You have to be a Singapore citizen or Permanent Resident.
  • You, as the main insured should be between the ages of 18 to 60 years old. This policy can be renewed up to the age of 75 years.
  • The dependent child should be between the age of 1 and 21 years old.

How do I Buy This Plan?

If you want to purchase this plan, you can do so by contacting Chubb by phone on +65 6299 0988. This number is active from Monday to Friday, from 9 am to 5 pm. You can also buy this policy by sending an email to the address provided on the website.

How to Make a Claim

If you want to make a claim for any situation covered by this policy, you need to download the claims form from the website. Complete the form and attach it with all the pertinent documents, after which you have to submit the form back to Chubb.  For any other queries related to making claims, you can call the hotline number listed on the website.

How to Cancel This Plan

If you are not satisfied with the plan, you can choose to cancel it within 30 days of the policy commencement date. You can cancel this plan by sending a registered letter to Chubb, informing them of the same. If you have not made a claim during this duration, you are entitled to a refund of the policy premium. A small amount might be deducted by Chubb to make up for the underwriting expenses.


In case of any queries or assistance, you can contact Chubb in the following ways:

  • You can call on +65 6398 8000
  • You can send a fax to +65 6298 1055
  • You can also send a letter to:
    Chubb Insurance Singapore Limited
    138 Market Street
     #11-01 CapitaGreen
    Singapore 048946
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