Recovery Hospital Cash

Specially designed for DBS and POSB customers

• 24-hour worldwide coverage for accidental injury or sickness
• 20% No Claim Bonus at the end of every 12 consecutive
months (excluding GST)

Thank you for taking time to speak Eligibility

with our sales representative and for
expressing your interest in the Recovery To be eligible for cover under this
Hospital Cash policy. Policy:

Unforeseen accidents or sudden bouts • You must be a Singapore Resident and

of sicknesses can land you in the between the age of eighteen (18) and
hospital, and high medical bills can fifty nine (59) years old (both ages
cause financial and emotional stress on inclusive) on the Commencement
you and your family. Date. Your Policy will be renewable
up to age sixty five (65) years old (age
Recovery Hospital Cash is a hospital inclusive); and/or
income plan designed to help ease
this financial burden, so that you can • Your Dependent Child(ren) must be
recuperate in peace, knowing that a Singapore Resident and must be
Chubb has got you covered. between the age of one (1) year and
eighteen (18) years of age or up to
Why
Whysign
signup
upfor Recovery
for Recovery and including twenty-five (25) years
Hospital Cash?
Hospital Cash? old if he/she/they is/are full-time
student(s) at an accredited institution
Recovery
RecoveryHospital
HospitalCash
Cashgives you:
gives you*: of higher learning and in either case,
are primarily dependent upon You for
• • Daily
Daily Hospital
Hospital Cash
Cash Benefit
Benefit ofof
up to maintenance and support. Dependent
S$300
S$300 per
per day
day ofof confinement
confinement inin
aa Child(ren) who are in full-time
hospital,
hospital upupto to
365365 days
days national service are not covered.
• ICU Daily Hospital Cash Benefit
• ICUof Daily
S$600Hospital
per dayCash Benefit of up
of confinement Singapore Resident means Singapore
toinS$600 per day of confinement in
an intensive care unit, up to 30 Citizen or Singapore Permanent
andays
intensive care unit up to 30 days Resident or holder of a valid Work
Permit or Employment Pass or Long
• • Day Surgery
Day Benefit
Surgery ofof
Benefit upS$300
to S$300
per Term Visit Pass or Dependant’s Pass
per occurrence 1
occurrence, up to 10 occurences1 or S Pass issued by the authorities in
Singapore.
• • Get
Get Well
Well Cash
Cash Benefit
Benefit ofof
upS$180 per
to S$180
per day of of
day medical leave,
medical leaveup
uptoto5 5days
2
days2

* Illustrations are based on the

• No Claim Bonus of 20% of premiums
Premier Plan
paid in the preceding 12 months
Recovery Hospital Cash at a Glance

Benefits Main Insured/Partner Child Plan

Classic Plan Silver Plan Premier Plan

Daily Hospital Cash Benefit S$100 per day S$200 per day S$300 per day S$100 per day
(Per day; up to 365 days)

ICU Daily Hospital Cash Benefit S$200 per day S$400 per day S$600 per day S$200 per day
(Per day; up to 30 days)

Day Surgery Benefit S$100 per S$200 per S$300 per S$100 per
(Per occurrence; up to 10 occurrences) occurrence occurrence occurrence occurrence

Get Well Cash Benefit S$60 per day S$120 per day S$180 per day S$60 per day
(Per day; up to 5 days of Medical
Leave issued by the Doctor after
hospitalisation or day surgery in a
hospital)

Worldwide Terrorism Cover Covered

(Excluding biological, chemical agents
or nuclear devices)

No Claim Bonus 20% refund of the preceding 12 months’ premium paid (excluding GST) if there is
no claim

Premium Table

Age Group Monthly Premium per Insured Person

(Age attained at last birthday)
Classic Plan Silver Plan Premier Plan Child Plan

01 to 25 years old N.A N.A N.A S$20.30

18 to 30 years old S$24.40 S$32.10 S$43.30 N.A

31 to 40 years old S$28.00 S$37.10 S$50.10 N.A

41 to 50 years old S$33.60 S$46.70 S$63.70 N.A

51 to 59 years old S$49.40 S$69.20 S$96.90 N.A

60 to 65 years old (renewal only) S$83.10 S$118.30 S$170.20 N.A

Discount for Family Plans A discount of 10% will be applied to the total premium for Family Plans.
Family Plans refer to at least 2 adults, or 1 adult and 1 child.

Premiums stated above are on a monthly basis, in Singapore Dollars, and inclusive of 7% GST and all distribution costs, charges
and expenses, details of which are available upon request.
Important Notes

For any one (1) Confinement arising out of the same Sickness or Accidental Injury, the Policy will pay only under Daily Hospital
Cash Benefit, ICU Daily Hospital Cash Benefit or Day Surgery Benefit.

The Policy will not pay for Confinement or Day Surgery for treatment of any Sickness commencing within a Waiting Period
of thirty (30) days from the Commencement Date, or for any subsequent Confinement or Day Surgery of the same condition
which first occurred during the Waiting Period of thirty (30) days.

1
Day Surgery Benefit will not be paid more than ten (10) occasions for any one Sickness or Accidental Injury regardless of the
number of times the Policy is renewed.

2
Get Well Cash Benefit pays up to a maximum of 5 days of medical leave per Sickness or Accidental Injury as certified by a
Doctor.

Case Study

Alice purchased the Recovery Hospital Cash policy, Premier plan. Four months after buying the policy, she contracted a lung
infection which resulted in:

• 2 days of confinement in the Hospital’s Intensive Care Unit

• Followed by another 15 days of confinement in the Hospital’s normal ward for further observation
• 5 days of medical leave (with Medical Certificate) issued by the Doctor to recuperate at home after discharge from Hospital

Benefits Payable

Daily Hospital Cash Benefit S$4,500 (S$300 per day x 15 days)

ICU Daily Hospital Cash Benefit S$1,200 (S$600 x 2 days)

Get Well Cash Benefit S$900 (S$180 per day x 5 days)

Total Benefits Payout S$6,600

How to Apply

Contact our friendly telesales team at +65 6579 7918 from Monday to Friday between 9.00am and 6.00pm. They will assist in
your queries and help you to purchase the policy over the phone. Alternatively, you can email to gisales@dbs.com and our
telesales team will contact you by the next business day.

Upon successful enrolment, your coverage will take effect immediately. You will receive your fulfillment pack, containing your
policy documents (including your policy schedule) within 2 weeks by mail to the address you have provided us.

About the Insurer

Chubb Insurance Singapore Limited is the insurance partner of DBS Bank Ltd. Chubb is the world’s largest publicly traded
property and casualty insurer. Chubb Insurance Singapore Limited, via acquisitions by its predecessor companies, has been
present in Singapore since 1948. Chubb in Singapore provides underwriting and risk management expertise for all major
classes of general insurance, including Property & Casualty, Marine, Liability, Financial Lines and Group Personal Accident
insurance. As one of the leading providers of Accident & Health insurance through direct marketing, the company partners
with financial institutions and other companies to tailor individual policies for their clients and employees. In addition, it
offers a suite of customised Personal & Specialty insurance solutions to meet the needs of consumers. Over the years, Chubb
in Singapore has established strong client relationships by offering responsive service, developing innovative products and
providing market leadership built on financial strength.

More information can be found at www.chubb.com/sg.

Terms
This Policy is underwritten by Chubb
and distributed by DBS Bank Ltd. This
policy is protected under the Policy
Owners’ Protection Scheme which is
administered by the Singapore Deposit
Insurance Corporation (SDIC). Coverage
for Your Policy is automatic and no
further action is required from You.
For more information on the types of
benefits that are covered under the
scheme as well as the limits of coverage,
where applicable, please contact Us
or visit the GIA / LIA or SDIC websites
(www.gia.org.sg or www.lia.org.sg or
www.sdic.org.sg).
This document is product information
provided by Chubb and is not a
contract of insurance. Accordingly,
the information should be read and
construed in light of, and subject to
all terms, conditions and exclusions
contained in the Policy.
You may wish to seek advice from an
A&H insurance intermediary before
deciding to purchase the policy.
Should you choose not to seek advice
from an A&H insurance intermediary,
please consider whether the product
is suitable for you. It is not advisable to
switch from an existing accident and/
or health insurance policy to a new one
without considering whether the switch
is detrimental, as there may be potential
disadvantages with switching.
Pre-existing medical conditions and
other exclusions as found in your
policy will not be covered. You are
responsible for the accuracy and
completeness of the information given
to Us when applying for the policy.
Any mis-statement or non-disclosure of
material facts may affect the validity of
the policy.
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos, and Chubb.
Insured.TM are protected trademarks of Chubb.
Published 05/2018
You have thirty (30) days after you Get protected with Recovery Hospital
receive your policy contract to decide if Cash for as little as S$0.80^ a day!
the policy meets your needs. You may No medical check-up is required.
cancel your policy simply by advising Us Call our hotline at +65 6579 7918
within this period to cancel it. If you do (Mon – Fri, 9am – 6pm) or email
this, We will refund any premiums you gisales@dbs.com.
have paid during this period. We may
recover any expenses incurred by Us in ^ Illustrated based on premium for Main
underwriting the Policy. Insured under Classic Plan, age 18 to 30
years old.
We reserve the right to modify all the
terms and conditions of Your Policy, Contact Us
including revisions to premiums,
benefits and exclusions within the Chubb Insurance Singapore Limited
Period of Insurance by giving You prior 138 Market Street
notice of at least thirty (30) days, and #11-01 CapitaGreen
such modification shall be applicable Singapore 048946
from the effective date as stated in Our CS +65 6398 8797
written notice to Your address on file. F +65 6298 1055
www.chubb.com/sg
This is not a Medisave-approved policy
and you may not use Medisave to pay
the premium for this policy.
This is a short-term accident and health
policy. We are not required to renew
this policy. We may terminate this
policy by giving you thirty (30) days
notice in writing. You may likewise
cancel your policy by giving Us thirty
(30) days prior notice. In the event of
said cancellation, We shall return the
unearned portion of premiums paid.
The termination of coverage shall be
without prejudice to payment of claims
arising.
Your coverage is automatically renewed
by payment of the monthly/annual
premium, one (1) month/year from the
Commencement Date and subsequently,
the same day of each successive month/
year.
For claims submission, please visit
www.chubbclaims-dbs.com.sg.
Chubb. Insured.
TM