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:

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.