Prime Protect Personal Accident Plan

Prime Protect

At a Glance

Accidental Medical Expenses Reimbursement

(Including Traditional Chinese Medicine Treatments)
Reimbursement of medical expenses, up to S$2,000 per Accidental Injury

Fractures, Dislocations & Burns Benefit

Receive a lump sum payout up to S$20,000 if you suffer a fracture, dislocate a joint or suffer burns due to an Accidental Injury

Daily Hospital Cash Benefit

Receive up to 60 days of Daily Hospital Cash Benefit if you are hospitalised following an Accidental Injury

Long Term Care Benefit

Receive a lump sum payout of up to S$20,000 in the event you are unable to perform 3 or more Activities of Daily Living (ADL) following an Accidental Injury

No Claim Bonus

Receive 15% refund of premiums paid (excluding GST) at the end of every 12 consecutive months if you remain claim-free.

As you live life to the fullest, be prepared for the unexpected with Prime Protect – an affordable personal accident protection plan designed for your prime years, underwritten by Chubb Insurance Singapore Limited. Prime Protect is for customers who are Singapore Residents aged between 40 and 70 years old (both ages inclusive).

Promotions

10% off Prime Protect Personal Accident Plans

Features & Benefits

		Sum Insured
		Classic Plan	Superior Plan
1.	Accidental Death Benefit	S$60,000	S$80,000
2.	Accidental Permanent Disability Benefit Lump sum payment subject to the compensation scale	Up to S$60,000	Up to S$80,000
3.	Long Term Care Benefit Lump sum payout following an Accidental Injury resulting in the inability to perform at least 3 Activities of Daily Living (Dressing, Feeding, Mobility, Toileting/Continence, Transferring, Washing and Bathing), subject to a 90-day waiting period	S$15,000	S$20,000
4.	Fractures, Dislocations and Burns Benefit Lump sum payout subject to the compensation scale	Up to S$15,000	Up to S$20,000
5.	Accidental Medical Expenses Reimbursement Reimbursement of medical expenses and treatment charges by a Doctor (including Traditional Chinese Medicine expenses incurred)	Up to S$1,500 per Accidental Injury (TCM: Up to S$50 per consultation per day; Up to S$500 per Accidental Injury)	Up to S$2,000 per Accidental Injury (TCM: Up to S$50 per consultation per day; Up to S$500 per Accidental Injury)
6.	Daily Hospital Cash Benefit Daily benefit for each day the Insured Person is hospitalised due to an Accidental Injury	S$150 per day; Up to 60 days per occurrence	S$200 per day; Up to 60 days per occurrence
7.	Worldwide Terrorism Cover (excluding biological, chemical agents or nuclear devices)	Covered
8.	No Claim Bonus	15% refund of the preceding 12 months’ premium paid (excluding GST) if there is no claim

Note: All the benefits listed from (1) to (4) and (6) are payable over and above any other insurance coverage that you may already have.

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Frequently Asked Questions

Who can apply for this Policy

This Policy is designed exclusively for customers who are Singapore Residents aged between 40 and 70 years old (both ages inclusive). The Policy is renewable up to age 80 years old (age inclusive).

Singapore Resident means Singapore Citizen, Singapore Permanent Resident, or Holder of a valid Work Permit/Employment Pass/Long Term Visit Pass/Dependant's Pass/S Pass issued by the authorities in Singapore.

Is this a monthly or annual policy?

The Policy’s period of insurance is 1 month if you are paying a monthly premium, and 1 year if you are paying an annual premium. The policy will be automatically renewed upon payment of the monthly/annual premium every month/year.

Will the premium increase as I grow older?

The premium is not age-dependent and does not increase as you grow older.

Does this Policy cover me for illnesses?

No, this is a Personal Accident policy that covers you for Accidental Injury.

Accidental Injury means a bodily injury resulting from an accident caused by a sudden, unforeseen and fortuitous event.

How is the 15% No Claim Bonus calculated?

At the end of every 12 consecutive months, you will receive a refund of 15% of the preceding 12 months’ premium (without interest and any statutory tax) if no claims for an event that occurred in that period are made.

Are there occupations that are not covered by this Policy?

This Policy provides coverage for the following occupations only while the Insured Person is off-duty at the time of Accidental Injury:

Armed and discipline forces including but not limited to the military, navy, air force, policemen, auxiliary police officers, customs officers, firemen, immigration officers or inspectors, and correctional service officers or inspectors
Professional sportsperson including motor sportsperson
Personnel working on board an aircraft

Please refer to the Policy Wording – General Exclusions to find out more.

Are there any other situations where benefits will not be payable?

These are stated under the General Exclusions section in the Policy. Below are some key exclusions:

Pre-existing conditions
Deliberate and self-inflicted injury, suicide or, criminal or illegal act
Unlawful acts or wilful exposure to unnecessary danger (such as jaywalking or speeding) except in an attempt to save human life
Injury caused by the Insured Person while under the influence of alcohol or any drugs
Air travel except as a passenger in a fully licensed passenger carrying aircraft
Hazardous sports or activities involving parachuting, skydiving, hang gliding, ballooning, any kind of race (other than on foot or swimming) or trial of speed or reliability, potholing, mountaineering or rock climbing, or scuba diving.

Please refer to the Policy Wording – General Exclusions to find out more.

How do I cancel the Policy?

You may cancel the Policy by giving Chubb 1-month prior notice. Please contact Chubb’s Customer Service Hotline for assistance.

What circumstances will trigger the Policy to be terminated?

The Policy will terminate:

Upon the date when the Accidental Death Benefit has been paid
Upon the date when 100% of the Accidental Permanent Disability Benefit has been paid
When the Insured Person is no longer a Singapore Resident
When the Insured Person reaches the age of eighty-one (81) years old
Upon the death of the Insured Person

Does this Policy have any cash or surrender value?

No, this Policy has no cash or surrender value.

How do I make a claim?

Please submit your claims online at www.chubbclaims-dbs.com.sg. Alternatively, you may contact Chubb’s Customer Service Hotline and they will guide you in filing a claim.

What if I have more questions about this insurance?

You may contact Chubb’s Customer Service Hotline at +65 6398 8797, (Mondays to Fridays, 9.00am – 5.00pm, excluding Public Holidays) or via an email to [email protected]

Contact UsNeed help with your insurance?

Call Chubb’s Customer Service Hotline at 6398 8797 (Mondays to Fridays, 9.00am – 5.00pm, excluding Public Holidays) or via email at dbscs.sg@chubb.com.

Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance.DisclaimersPrime Protect is underwritten by Chubb Insurance Singapore Limited (“Chubb”) and distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy wordings and will be sent to you upon acceptance of your application by Chubb. All the benefits of Prime Protect are only payable subject to the occurrence of an accident during the period of insurance. You should consider carefully if you are intending to switch personal accident policies, as this might be detrimental to your current and/or future needs. You may wish to seek advice from a financial adviser before making a commitment to purchase this policy. In the event that you choose not to seek advice, you should carefully consider whether the policy is suitable for you.You have a free look period of 30 days from the date you receive the Policy. If you decide to cancel the Policy within these 30 days, please inform Chubb in writing and they will cancel the Policy from its start date and refund the full premium paid, provided no claim has arisen.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 Chubb or visit the General Insurance Association or SDIC websites.

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