POSB Insurance Disclaimers

Life Insurance

Important notes:

All ages mentioned are based on Age Last Birthday (ALB).

These insurance plans and riders are issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS.

You will find the precise terms, conditions and exclusions of these plans in the respective Policy Contracts. This is for general information only and is not a contract of insurance and has not been tailored to your specific investment objectives, financial situation and particular needs. You should seek advice from a financial adviser and obtain the Product Summary to read before deciding whether the product suits you. A Product Summary may be obtained from Manulife or any DBS/POSB branch. If you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender values payable (if any) may be less than the total premiums paid.

You may write to Manulife to cancel the policy within 14 days of receiving the policy document and obtain a full refund of the premium paid after deducting any expenses incurred in issuing the policy. If the policy is sent by post, it shall be deemed to have been delivered within 7 days after posting.

These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact Manulife or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Health Insurance

Important notes:

These insurance policies are underwritten by Aviva Ltd (“Aviva”), and distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This is for general information only and is not a contract of insurance and has not been tailored to your specific investment objectives, financial information and particular needs. You will find the precise terms, conditions and exclusions of these plans in the respective policy contracts. Do speak to a financial adviser and obtain the product summary to read before deciding whether the product suits you. A product summary may be obtained from Aviva or any DBS/POSB Bank branches. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva or or visit the Life Insurance Association (LIA), or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

General Insurance

Important notes:

These insurance policies are underwritten by MSIG Insurance (Singapore) Pte. Ltd. (“MSIG Insurance”) 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 these insurances are provided in the respective policy wordings and will be sent to you upon acceptance of your application by MSIG Insurance. All the benefits of personal accident policies (except "Special Daily Hospitalisation Benefit” where applicable) are payable upon the occurrence of an accident during the policy period. You should consider carefully if you are intending to switch accident & health 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.

These policies are protected under the Policy Owner's 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.