At a Glance

Overseas Medical Expenses

Up to S$20,000 coverage for hospitalisation due to sickness under Deluxe Plan

Overseas Hospital Confinement Benefit

S$200 per day for hospitalisation due to accidental injury or sickness

Adventurous Activities Coverage

Including bungee jumping, sky diving, skiing, scuba diving and more for all plans

Terrorism Extension

Policy is extended to provide coverage for claims arising from acts of terrorism


The Overseas Student Protect Plan is designed to suit the needs of every student overseas. Whether it’s a 1-month internship, 6-month student exchange program or year-long overseas education, have peace of mind with a comprehensive coverage for hospital confinement and terrorism extension.

Be protected round the clock, not only while studying in campus. For students with a heart of a thrill-seeker, enjoy adventurous activities coverage under all plans - from bungee jumping, sky diving, skiing, scuba diving and more.

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Features & Benefits

 

Standard Plan

Deluxe Plan

Personal Accident & Medical Related Benefits

Section 1 – Accidental Death and Disablement

For Adult Insured Student (aged 18 years old to 55 years old)

S$100,000

S$200,000

For Child Insured Student (aged 15 years old to 17 years old)

   

- Accidental Death

S$50,000

S$50,000

- Disablement

S$100,000

S$100,000

Section 2 – Felonious Assault

S$50,000

S$100,000

Section 3 – Accidental Medical Expenses

S$10,000

S$20,000

- sub-limit for Traditional Chinese Medicine Expenses (per visit limit: S$500)

S$2,000

S$2,000

- sub-limit for Continuation of Overseas Medical Treatment after Return to Singapore

S$5,000

S$5,000

- sub-limit for Medical Treatment after Return to Singapore

S$2,500

S$2,500

Section 4 – Overseas Medical Expenses for Sickness

Not Covered

S$20,000

- sub-limit for Traditional Chinese Medicine Expenses (per visit limit: S$500)

Not Covered

S$2,000

- sub-limit for Overseas Outpatient Medical Expenses (excess per claim: S$100)

Not Covered

S$1,500

Section 5 – Continuation of Overseas Medical Treatment for Sickness after Return to Singapore

Not Covered

S$5,000

- sub-limit for Medical Treatment after Return to Singapore

Not Covered

S$2,500

Section 6 – Overseas Hospital Visit

S$5,000

S$10,000

Section 7 – Overseas Hospital Confinement Benefit

S$200 per day
Max S$1,000

S$200 per day
Max S$2,000

OVERSEAS ASSISTANCE BENEFITS

Section 8 – Chubb Assistance Emergency Medical Evacuation

Unlimited

Unlimited

Section 9 – Medical & Travel Assistance Services
- provided on referral and/ or arrangement basis

Available

Available

Section 10 – Repatriation of Mortal Remains

S$100,000

Unlimited

Section 11 – Compassionate Visit

S$5,000

S$10,000

Section 12 – Study Interruption

S$10,000

S$20,000

TRAVEL INCONVENIENCE BENEFITS

Section 13 – Personal Liability

S$200,000

S$450,000

Section 14 – Loss of or Damage to Personal Baggage (whilst travelling on Public Conveyance)

S$1,000

S$2,000

sub-limit per article

S$500

S$500

Section 15 – Loss of or Damage to Portable Computer and Mobile Device

S$1,000

S$1,000

- sub-limit for Portable Computer

S$1,000

S$1,000

- sub-limit for Mobile Device

S$200

S$200

Section 16 – Loss of or Damage to Travel Documents

S$500

S$1,000

Section 17 – Delayed Baggage
- max S$100 for delay in Singapore

S$100 per 6hr
Max S$500

S$100 per 6hr
Max S$1,000

Section 18 – Travel Delay
- max S$100 for delay in Singapore

S$100 per 6hr
Max S$500

S$100 per 6hr
Max S$1,000

Section 19 – Alternative Accommodation

S$3,000

S$5,000

Section 20 – Overseas Home Contents

S$1,500

S$3,000

- sub-limit for Portable Computer

S$1,000

S$1,000

- sub-limit for Mobile Device

S$200

S$200

- sub-limit per article

S$500

S$500

ADDITIONAL BENEFITS

Section 21 – Sponsor Protection

Not Covered

S$15,000

Section 22 – Study Loan Repayment

Not Covered

S$5,000

Section 23 – Trauma Counselling

S$1,000

S$2,000

Section 24 – Adventurous Activities Cover

Covered

Covered

Section 25 – Terrorism Extension

Covered

Covered

Section 26 – Passive War Extension

Covered

Covered

 

Frequently Asked Question

Customers (including foreigners) who are Singapore Residents and aged:

  • between 18 years old and 55 years old (both ages inclusive); or
  • between 15 years old and 17 years old, however the applicant must be your parent or guardian.

Singapore Resident means a Singapore citizen, Singapore Permanent Resident, or foreigner holding a valid Work Permit, Employment Pass, Dependant's Pass, Long-Term Visit Pass or Student Pass on the commencement of any journey.


Yes, the parent or guardian can buy this policy for child below 18 years old. However, if the child is above 18 years old, he/she must apply for the insurance under his/her own name.


You will need to verify with your foreign educational institution or relevant authority to determine if this policy meets their requirement, as insurance requirements vary for different institutions and countries.


Yes, you are covered for any leisure trip that you undertake outside the country of study, from your overseas residence (except for Cuba and Singapore). The leisure trip shall qualify as a journey under the policy as per your selected region.


Yes, trips back to Singapore are covered and will cease three hours after your return to Singapore or at the time you arrive at your place of residence in Singapore, whichever is earlier and so long the trips are within the period of insurance. Thereafter, the coverage will resume when you leave Singapore for your country of study.


Yes, these leisure activities are covered. However, hazardous activities, such as off-piste skiing, white-water rafting, mountaineering, trekking above 3,000 metres and scuba diving deeper than 30 metres are excluded.


In the event of a claim arising directly from an act of terrorism, this policy is extended to cover you while you are on a journey up to the maximum sum insured specified in the benefit schedule for the said sections.

Claims (under any sections) arising directly or indirectly from any nuclear, chemical or biological terrorism will not be covered.


Yes, you can extend your coverage by paying an additional premium. Please call or email Chubb at least 2 weeks prior to your existing policy expiry date to ensure that there is no disruption to your coverage while overseas.


Renewals applies to Overseas Student Protect Policy with 12-month cover only.

A renewal notification will be sent to you 45 days prior to the policy expiry date for a 12-month renewal. The policy will be renewed upon receiving your confirmation and payment of premium.


For policy less than 12 months, there will not be any refund of the premium once the certificate of insurance is issued.

For a 12-month policy, you may cancel this policy at any time by giving notice to Chubb, provided no claim has arisen during the period of insurance. In the event of such cancellation, Chubb will apply a short rate refund.

Please refer to the policy wording for details of refund.


Yes, exclusions include:

  • Any loss or expenses which arises due to you not taking all reasonable efforts or your carelessness, negligence or recklessness in safeguarding your property or avoiding any injury or minimising any claim under the policy.
  • Any government prohibition, regulation or intervention.

Please refer to the policy wording for full details of exclusions.


You will receive your policy via email upon successful application online.


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


If you are overseas and require any emergency assistance, you can call the 24-hr Chubb Assistance hotline at +65 6322 2132.


You may submit your claims online at www.chubbclaims-dbs.com.sg. 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 dbs.travelclaims.sg@chubb.com

 

Contact Us

Need help with your insurance?

  • Call Chubb’s Customer Service Hotline at 6398 8797 (Mondays to Fridays, 9.00am to 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.

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


Disclaimers

Overseas Student 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.

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.

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