How can I renew my MultiGen Protect Policy?

Your policy will be automatically renewed: upon payment of the monthly/annual premium every month/year; and if at least 1 insured person under the policy is within the maximum renewal age of his generation category.

What will happen when 1 of the insured persons has reached the maximum renewal age?

Chubb will email the policyholder when the insured person has reached the maximum age, and his coverage will cease. If there are other insured persons under the policy, their cover will continue for the remaining period of insurance.

What is an Alternative Medical Physician?

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

Under the Recovery Cash Benefit, what is Temporary Disablement?

Temporary Disablement refers to any disability caused by accidental injury, which directly disables and prevents the adult insured person from taking part in the usual employment or occupation temporarily. This benefit applies regardless of the employment status of the adult insured person.

Does this policy have any other exclusions to note?

The exclusions 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 acts 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.

What circumstances will trigger the coverage of the insured person to be automatically ceased?

Cover for an insured person will cease automatically when: the Accidental Death Benefit has been paid; 100% of the Accidental Permanent Disability Benefit has been paid; he ceases to be a Singapore Resident; he exceeds the maximum renewal age; he ceases to be part of the immediate family of the policyholder; he is employed or married (applies for child insured person only); or he dies

Who can apply for MultiGen Protect?

Singapore Residents who are at least 18 years old can apply for MultiGen Protect. The applicant can then protect up to 6 adults and seniors, and 4 children under the MultiGen Protect policy. However, if the applicant would also like to cover himself under MultiGen Protect, he needs to fulfil the eligibility criteria of either an adult or senior insured person. 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.

Does MultiGen Protect cover my child during National Service?

Yes, your child will be covered even when he 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.

Does MultiGen Protect provide coverage regardless of the insured person's occupation?

For adult or senior insured persons employed in the occupations below, MultiGen Protect 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 As for children who are employed and not primarily dependent on their parents or grandparents for support, they will not be eligible for coverage under MultiGen Protect. Please refer to the Policy Wording – General Exclusions to find out more.

Protect yourself and your family with Personal Accident Insurance

With MultiGen Protect, you and your loved ones are protected against the unexpected. Enjoy instant coverage tailored for each family member and even greater savings when more members are covered.

Tailored coverage for all family members. Receive personal accident protection catered specially for each family member, from the young ones to the seniors

Instant protection in one online application. Get immediate protection for the whole family in one seamless online application

Greater savings when you protect more family members. Protect more family members to enjoy greater discounts (up to 20% off)

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Overview

Benefits

FAQ

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Key Benefits

Adult (18-50 years old)

	Classic Plan	Premier Plan
Accidental Death Benefit	Classic Plan S$100,000	Premier Plan S$150,000
Accidental Permanent Disability Benefit Lump sum payment subject to the compensation scale	Classic Plan Up to S$100,000	Premier Plan Up to S$150,000
Accidental Medical Expenses Reimbursement Reimbursement of treatment and medical expenses for accidental injury by a Doctor (including Alternative Medical Physician expenses incurred)	Classic Plan Up to S$2,000 per accidental injury Alternative Medical Physicians’ Expenses: Up to S$50 per consultation per day; Up to S$500 per accidental injury	Premier Plan Up to S$3,000 per accidental injury Alternative Medical Physicians’ Expenses: Up to S$50 per consultation per day; Up to S$500 per accidental injury
Special Daily Hospital Cash Benefit Daily benefit as a result of hospitalisation due to a specified Sickness: Dengue Fever/ Dengue Haemorrhagic Fever Food Poisoning Hand, Foot and Mouth Disease	Classic Plan S$100 per day; Up to 60 days per occurrence	Premier Plan S$150 per day; Up to 60 days per occurrence
Recovery Cash Benefit Weekly benefit as a result of Temporary Disablement as certified by a Doctor	Classic Plan S$100 per 7 consecutive days; Up to 52 weeks per accidental injury	Premier Plan S$150 per 7 consecutive days; Up to 52 weeks per accidental injury
Worldwide Terrorism Cover Excluding biological, chemical agents or nuclear devices	Classic Plan Covered	Premier Plan Covered

View the full list of benefits here.

Key Benefits

Senior (51-70 years old)

	Classic Plan	Premier Plan
Accidental Death Benefit	Classic Plan S$60,000	Premier Plan S$80,000
Accidental Permanent Disability Benefit Lump sum payment subject to the compensation scale	Classic Plan Up to S$60,000	Premier Plan Up to S$80,000
Accidental Medical Expenses Reimbursement Reimbursement of treatment and medical expenses for accidental injury by a Doctor (including Alternative Medical Physician expenses incurred)	Classic Plan Up to S$1,500 per accidental injury Alternative Medical Physicians’ Expenses: Up to S$50 per consultation per day; Up to S$500 per accidental injury	Premier Plan Up to S$2,000 per accidental injury Alternative Medical Physicians’ Expenses: Up to S$50 per consultation per day; Up to S$500 per accidental injury
Daily Hospital Cash Benefit Daily benefit as a result of hospitalisation due to accidental injury	Classic Plan S$150 per day; Up to 60 days per accidental injury	Premier Plan S$200 per day; Up to 60 days per accidental injury
Long Term Care Benefit Lump sum payout following an accidental injury resulting in the inability to perform at least 3 Activities of Daily Living, subject to 90-day waiting period	Classic Plan S$15,000	Premier Plan S$20,000
Fracture, Dislocations and Burns Benefit Lump sum payout subject to the compensation scale	Classic Plan Up to S$15,000	Premier Plan Up to S$20,000
Worldwide Terrorism Cover Excluding biological, chemical agents or nuclear devices	Classic Plan Covered	Premier Plan Covered

View the full list of benefits here.

Key Benefits

Child (1 month to 17 years old)

	Classic Plan	Premier Plan
Accidental Permanent Disability Benefit Lump sum payment subject to the compensation scale Benefit will be 50% of Sum Insured if the Insured Person is on duty serving full-time National Service	Classic Plan Up to S$60,000	Premier Plan Up to S$80,000
Accidental Medical Expenses Reimbursement Reimbursement of treatment and medical expenses for accidental injury by a Doctor (including Alternative Medical Physician expenses incurred), and treatment of the following Covered Diseases: Chicken Pox Dengue Fever/ Dengue Haemorrhagic Fever Hand, Foot and Mouth Disease Malaria Measles Zika Virus	Classic Plan Up to S$1,500 per accidental injury Sub-limit of S$750 for Alternative Medical Physicians’ fees and treatment for Covered Diseases	Premier Plan Up to S$2,000 per accidental injury Sub-limit of S$750 for Alternative Medical Physicians’ fees and treatment for Covered Diseases
Daily Hospital Cash Benefit Daily benefit as a result of hospitalisation due to accidental injury Benefit will be 50% of Sum Insured if the Insured Person is on duty serving full-time National Service	Classic Plan S$100 per day; Up to 180 days per accidental injury	Premier Plan S$150 per day; Up to 180 days per accidental injury
Worldwide Terrorism Cover Excluding biological, chemical agents or nuclear devices	Classic Plan Covered	Premier Plan Covered

Please refer to the Policy Wording for the full specifications, conditions and exclusions.

Frequently Asked Questions

Policy Coverage Eligibility

The exclusions 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 acts
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.

Get help or make a claim

Need more information?

Contact your WPM through DBS digiWealth to learn more

Let’s Talk

Chubb’s Customer Service Hotline

For enquiries, contact Chubb’s Customer Service Hotline at +65 6398 8797 (Mondays to Fridays, 9.00am to 5.00pm, excluding Public Holidays) or via email at bancacs.sg@chubb.com

Guide on how to make a claim

Please submit your claims online at Chubb MyAccount.

Submit a claim

Footnotes & Disclaimers

Footnotes

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

Click here for full Terms and Conditions Governing Purchase of Insurance Products from Chubb Insurance via the DBS website.

Disclaimers

MultiGen 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 MultiGen Protect (except Special Daily Hospital Cash Benefit and Medical Expenses Reimbursement for Covered Diseases) 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"). For more information on the scheme, please visit the General Insurance Association or SDIC websites.

Protect yourself and your family with Personal Accident Insurance

Key Benefits

Classic Plan

Premier Plan

Key Benefits

Classic Plan

Premier Plan

Key Benefits

Classic Plan

Premier Plan

Frequently Asked Questions

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Footnotes & Disclaimers

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