Parents whose unmarried child(ren) is between the age of 1 month and 18 years old (both ages inclusive) and primarily dependent on them for maintenance and support can apply for Kids Protect. The policy is renewable until the insured child(ren) is 23 years old (age inclusive).

Both the applicant and the insured child(ren) must be Singapore Residents. Singapore Resident means Singapore citizen, Singapore Permanent Resident, or holder of a valid Work Permit, Employment Pass, Long-Term Visit Pass, Dependant's Pass, or S Pass issued by the authorities in Singapore.

The 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.

The premium does not increase as your child grows older.

No, this is a personal accident policy that covers your child for accidental injury. The Accidental Medical Expenses Reimbursement benefit, however, pays for treatment of the specified Covered Diseases up to a sub-limit of S$750.

The specified Covered Diseases are Chicken Pox, Dengue Fever, Dengue Haemorrhagic Fever, Hand, Foot and Mouth Disease, Malaria, Measles and Zika Fever.

An Alternative Medical Physician is a legally licensed traditional medical practitioner (including a Chinese acupuncturist or bonesetter), chiropractor or physiotherapist. He has to be registered and practising within the scope of his license in the country where treatment was sought.

Yes, your child will be covered so long as his/her policy remains active and he/she continues to meet the eligibility criteria.

Yes, your child will be covered even when he/she is serving full-time National Service. However, the benefits payable under the Accidental Permanent Disability Benefit and the Daily Hospital Cash Benefit will be 50% of the sum insured.

The Accidental Permanent Disability Benefit and the Daily Hospital Cash Benefit are payable in addition to any other insurance coverage that your child has. For the Accidental Medical Expenses Reimbursement benefit, the policy will pay the amount which has not been reimbursed under any other insurance policies.

At the end of every 12 consecutive months, you will receive a refund of 15% 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.

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

• Pre-existing medical conditions
• Deliberately 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, mountaineering or rock climbing.

Please refer to the policy wording – General Exclusions to find out more.

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

The policy will be cancelled automatically:

• when 100% of the Accidental Permanent Disability Benefit has been paid;
• when you or the insured child(ren) ceases to be a Singapore Resident;
• when insured child(ren) is married or employed (excluding full-time National Servicemen);
• when insured child(ren) reaches the age of 24 years old; or
• upon death of insured child(ren)

To submit a claim, please visit www.chubbclaims-dbs.com.sg. Alternatively, you may contact Chubb’s Customer Service Hotline and they will guide you in filing a claim.