Step 1: The policyholder, his family members or legal representative needs to notify DBS of the claim via DBS Phone Banking (24/7) 1800 111 1111
EventTimeline to notify DBSRequired documents
Terminal Illness, Critical Cancer, Early CancerWithin 30 days of the diagnosisProof of date of birth, details of illness, and address
Total and Permanent DisabilityWithin 120 days of the disabilityProof of date of birth, details of illness, and address
DeathWithin 30 days of the Life insured’s passingDeath certificate and proof of date of birth
Step 2: Submit all required medical reports and evidence in writing to DBS
Type of claimType of medical reportSupporting documents
Terminal IllnessTerminal illness APSRelevant lab test, Histology Report and any other documents which we may require for our claim review
Cancer, Early CancerCancer APSRelevant lab test, Histology Report and any other documents which we may require for our claim review
Total and Permanent DisabilityDisability APSRelevant lab test and any other documents which we may require for our claim review
DeathDeath APSAny other documents which we may require for our claim review

Frequently Asked Questions

Can I choose which cards to cover under my CardCare Protector plan?

No, CardCare Protector automatically covers the amounts charged to all the credit cards that you hold at the point of application, including supplementary cards.

How are CardCare Protector premiums calculated?

You pay just S$0.58 for every S$100 in credit card bills incurred by you. Premiums are charged on a monthly basis for each of the credit cards that you hold.

Example:

  • Statement billing cycle on 3rd of the month: CardCare Protector premiums will be based on your credit card bill for transactions between 3rd of the previous month to 2ndof the billing month
  • Statement billing cycle on 15th of the month: CardCare Protector premiums will be based on your credit card bill for transactions between 15th of the previous month to 14th of the billing month
How do I pay my premiums?

You will see the premiums charged in your monthly credit card statement. Simply pay your credit card bill like how you usually do; there is no need to pay for CardCare Protector Premiums separately.

For example, if you hold 2 credit cards (DBS Altitude Card and POSB Everyday Card), this is what your credit card bill could look like:

 DBS Altitude CardPOSB Everyday Card
Credit card total transaction amount for the billing monthS$1,000S$800
CardCare Protector premium amountS$5.80S$4.64
Total credit card billS$1,005.80S$804.64
What kind of cancer does this plan cover?

The plan covers cancer of the following:

 For femalesFor males
Critical Cancer Benefit and Early Cancer Benefit
  1. Breast
  2. Cervix Uteri
  3. Ovary
  4. Uterus
  5. Vagina
  6. Colon (excluding rectum)
  1. Colon (excluding rectum)
  2. Lung
  3. Prostate
  4. Small Intestine
  5. Liver
  6. Nasopharyngeal
Early Cancer Benefit only
  1. Fallopian Tube
  2. Vulva
  3. Stomach
  4. Rectum
  5. Bladder
  6. Thyroid Cancer
  7. Chronic Lymphocytic Leukemia
  1. Penis
  2. Stomach
  3. Rectum
  4. Bladder
  5. Thyroid Cancer
  6. Testis
  7. Chronic Lymphocytic Leukemia
Is there a waiting period for the Early Cancer Benefit/ Critical Cancer Benefit?

Yes, there is a 90-day waiting period from the policy effective date to claim under the Early Cancer Benefit and Critical Cancer Benefits. Waiting period is the time specified which must pass before the coverage begins.

Can I make a claim more than once?

No, only one claim can be made. Once a claim has been paid out, the policy will terminate.

Can I surrender my policy and receive a cash payout?

No. This policy has no cash value.

What are the key exclusions under the CardCare Protector policy?

Manulife will not pay benefits if the claimed event is/ is a result of:

  • Pre-existing conditions;
  • Participation in competitive racing of any kind other than on foot;
  • Over-indulgence in alcohol;
  • Drug-taking unless taken under the direction of a registered medical practitioner

Please refer to the Certificate of Insurance (COI) for the full list of exclusions.