At a Glance

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)


Staying ahead of the curve is easy with MultiGen Protect, a personal accident plan underwritten by Chubb Insurance Singapore Limited. Enjoy peace of mind as you pursue any venture knowing that your family is safeguarded against the unexpected.

 

Buy Now

Get instant personal accident protection for your entire family. Discounts increase as you protect more family members!

By clicking the “Buy 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

Adult (18-50 years old); Senior (51-70 years old);
Child (1 month to 17 years old)

   

Sum Insured

 

Classic Plan

Premier Plan

1.

Accidental Death Benefit

S$100,000

S$150,000

2.

Accidental Permanent Disability Benefit
Lump sum payment subject to the compensation scale

Up to S$100,000

Up to S$150,000

3.

Accidental Medical Expenses Reimbursement
Reimbursement of treatment and medical expenses for accidental injury by a Doctor (including Alternative Medical Physician expenses incurred)

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

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

4.

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

S$100 per day; Up to 60 days per occurrence

S$150 per day; Up to 60 days per occurrence

5.

Recovery Cash Benefit
Weekly benefit as a result of Temporary Disablement as certified by a Doctor

S$100 per 7 consecutive days; Up to 52 weeks per accidental injury

S$150 per 7 consecutive days; Up to 52 weeks per accidental injury

6.

Worldwide Terrorism Cover
Excluding biological, chemical agents or nuclear devices

Covered

   

Sum Insured

 

Classic Plan

Premier 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.

Accidental Medical Expenses Reimbursement
Reimbursement of treatment and medical expenses for accidental injury by a Doctor (including Alternative Medical Physician expenses incurred)

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

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

4.

Daily Hospital Cash Benefit
Daily benefit as a result of hospitalisation due to accidental injury

S$150 per day; Up to 60 days per accidental injury

S$200 per day; Up to 60 days per accidental injury

5.

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

S$15,000

S$20,000

6.

Fracture, Dislocations and Burns Benefit
Lump sum payout subject to the compensation scale

Up to S$15,000

Up to S$20,000

7.

Worldwide Terrorism Cover
Excluding biological, chemical agents or nuclear devices

Covered

   

Sum Insured

 

Classic Plan

Premier Plan

1.

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

Up to S$60,000

Up to S$80,000

2.

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

Up to S$1,500 per accidental injury

Sub-limit of S$750 for Alternative Medical Physicians’ fees and treatment for Covered Diseases

Up to S$2,000 per accidental injury

Sub-limit of S$750 for Alternative Medical Physicians’ fees and treatment for Covered Diseases

3.

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

S$100 per day; Up to 180 days per accidental injury

S$150 per day; Up to 180 days per accidental injury

4.

Worldwide Terrorism Cover
Excluding biological, chemical agents or nuclear devices

Covered

 

Premium

Monthly Premium

Generation Category

Classic Plan

Premier Plan

Adult

S$20.61

S$29.61

Senior

S$20.61

S$26.91

Child

S$13.41

S$17.91

Annual Premium

Generation Category

Classic Plan

Premier Plan

Adult

S$247.32

S$355.32

Senior

S$247.32

S$322.92

Child

S$160.92

S$214.92

Get up to 20% off when you protect more family members!

2 family members

10% off

3-4 family members

15% off

More than 4 family members

20% off

 

Frequently Asked Questions

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.


We recognise that adults, seniors and children have different protection needs. Therefore, each generation has their own set of benefits and sum insured amounts, tailored to best suit their requirements.


All insured persons must be Singapore Residents, and be either the applicant, applicant’s partner, parent, parent-in-law, grandparent, grandparent-in-law, child or grandchild. Depending on their age, each insured person will be protected under the benefits of the following generation categories:

Generation Category

Eligibility Criteria

Maximum Renewal Age

Adult

Aged between 18 years and 50 years old (both ages inclusive)

70 years old (age inclusive)

Senior

Aged between 51 years and 70 years old (both ages inclusive)

80 years old (age inclusive)

Child

Aged between 1 month and 17 years old (both ages inclusive), unemployed and unmarried

23 years old (age inclusive)


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.

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.


No, MultiGen Protect has no cash or surrender value.


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.


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.


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.


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.


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 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.


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

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


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


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.


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 dbscs.sg@chubb.com.

 

Contact Us

Need 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.

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.

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