Get your questions about claims answered here.


At a Glance

Coverage for hospitalisation due to sicknesses and accidental injury

Receive S$100 per day if you are hospitalised, plus S$200 per day for ICU stay.

Ease the strain on finances when you’re at a day surgery, or recovering from one

Get S$100 cash benefit for day surgery, and S$60 per day for each day of medical leave following day surgery or hospitalisation.

Protection beyond Singapore

Whether you’re at home or abroad*, we’ve got you covered.

No Claim Bonus

Receive 20% refund of premiums paid (excluding GST) at the end of every 12 consecutive months if you remain claim-free.

Accidents and sicknesses typically strike at the most unexpected times. Besides taking a toll on your physical well-being, they can also be financially challenging. Recovery Hospital Cash provides cash benefits in the event of hospitalisation or day surgery worldwide*. This way, you can focus on getting your health back on track.

Protect at least 2 adults, or 1 adult and 1 child under your policy to enjoy a 10% discount.

*Excludes countries that the Ministry of Health or the Ministry of Foreign Affairs has issued travel advisories and US-sanctioned countries

By clicking the “Quote now” button, you will be leaving our website to access Chubb’s website. Please ensure that you understand Chubb’s product features and terms before purchasing.


Features & Benefits

Sum Insured


Daily Hospital Cash Benefit

S$100 per day
(Up to 365 days)


ICU Hospital Cash Benefit

S$200 per day
(Up to 30 days)


Day Surgery Benefit

S$100 per occurrence
(Up to 10 occurrences for any one sickness or accidental injury)

4. Get Well Cash Benefit

S$60 per day
(Up to 5 days of medical leave issued by the doctor after hospitalisation or day surgery in a hospital)


Worldwide Terrorism Cover

Excluding biological, chemical agents or nuclear devices


6. No Claim Bonus

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


Frequently Asked Questions

You enjoy worldwide coverage unless you are travelling:

  • After a travel advisory is issued by the Ministry of Health or the Ministry of Foreign Affairs
  • To a US-sanctioned country

Yes, you will be covered for the applicable benefits if you are hospitalised for at least 24 hours, for up to 365 days per sickness (including COVID-19). The coverage is also extended to cover accidental injury.

There is a 30-day waiting period from the policy commencement date for hospitalisation or day surgery treatment due to sickness. As an added benefit to our valued customers, the waiting period is waived for hospitalisation due to COVID-19.

Singapore Residents who are between the age of 18 and 59 years old (both ages inclusive) can apply for Recovery Hospital Cash. The policy is renewable up to 65 years old (age inclusive).

Dependent Child(ren) who are between the age of 1 and 18 years old (both ages inclusive) can also be covered under the policy. The age of the dependent child(ren) may be extended up to 25 years old, provided the child is primarily dependent on the applicant and is a full-time student at an accredited institution of higher learning, on the commencement date of the insurance.

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 or student pass issued by the authorities in Singapore.

For insured person(s) employed in the occupations below, Recovery Hospital Cash provides coverage only while they are 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

Yes, Recovery Hospital Cash pays on top of your other insurance policies, subject to policy terms and conditions.

The premium is age-dependent and will increase as you grow older.

Your policy will be automatically renewed:

  • upon payment of the monthly premium every month; and
  • if at least 1 insured person under the policy is within the maximum renewal age.

At the end of every 12 consecutive months, you will receive a refund of 20% of the preceding 12 months’ premium (excluding GST) to your nominated account if no claim for an event that occurred in that period is made.

The exclusions are stated under the General Exclusions section in the policy wording. 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 sustained 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 or mountaineering.
Please refer to the policy wording – General Exclusions to find out more.

No, this policy has no cash or surrender value.

You will receive a copy of your policy via email upon successful online application and payment of your premium.

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

Coverage for an insured person will cease automatically:

  • When he ceases to be a Singapore Resident;
  • When he reaches the age of 66 years old; or
  • Upon his death.

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


How to Claim

To avoid delay and to ensure your claim is handled promptly and efficiently, please submit your claims within one month from the date of occurrence.

You may submit your claims online at Alternatively, you may contact Chubb’s Customer Service Hotline at +65 6398 8797 (Mondays to Fridays, 9.00am - 5.00pm, excluding Public Holidays) or email to


Contact Us

Call Chubb’s Customer Service Hotline at 6398 8797 (Mondays to Fridays, 9.00am to 5.00pm, excluding Public Holidays)

Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance.

Terms and Conditions Governing Purchase of Insurance Products from Chubb Insurance via the DBS website.


Recovery Hospital Cash is underwritten by Chubb Insurance Singapore Limited (“Chubb”) and distributed by DBS Bank Ltd (“DBS”). They are 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. You should consider carefully if you are intending to switch health 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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