At a Glance

Accident Medical Expenses Reimbursement

Covers treatment of accidental injury by a doctor (including Alternative Medical Physician), and treatment of Covered Diseases such as Chicken Pox, Dengue Fever or Hand, Foot and Mouth Disease.

Daily Hospital Cash Benefit

Received up to S$150 per day up to 180 days for hospitalisation due to accidental injury.

No Claim Bonus

Receive 15% refund of premiums paid (excluding GST) at the end of every 12 consecutive months if you remain claim-free.

Kids learn through play and experiments. That’s why you should protect your energetic little ones in every way possible.

Kids Protect is a personal accident plan that provides up to S$80,000 coverage for your child. Be assured your child is well-protected, wherever they go.

 

How to Apply

Find nearest Visit your nearest branch
 

Features & Benefits

 

Sum Insured

Adore Plan

Beloved Plan

1.

Accidental Permanent Disability Benefit

Lump sum payment subject to compensation scale.
Benefit will be 50% of the 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 medical expenses for:

  • Treatment by a doctor (including Alternative Medical Physician) due to accidental injury,
  • Treatment of any one of the following Covered Diseases:
    • Chicken Pox
    • Dengue Fever
    • Dengue Haemorrhagic Fever
    • Hand, Foot and Mouth Disease
    • Malaria
    • Measles
    • Zika Fever

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

Payable for each (24-hour) day of hospitalisation due to accidental injury.
Benefit will be 50% of the 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.

Terrorism Cover

(Excluding biological, chemical agents or nuclear devices)

Covered

5.

No Claim Bonus

 

15% refund of the preceding 12 months’ premium paid (excluding GST) if there is no claim.

Note: Benefits (1) and (3) are payable in addition to any other insurance coverage that the insured child(ren) may already have.

 

Premium

Adore Plan

No. of Child(ren)

Monthly Premium

Annual Premium

1 child

S$14.90 per child

S$178.80 per child

2 to 4 children

S$13.41^ per child

S$160.92^ per child


Beloved Plan

No. of Child(ren)

Monthly Premium

Annual Premium

1 child

S$19.90 per child

S$238.80 per child

2 to 4 children

S$17.91^ per child

S$214.92^ per child

Premiums are inclusive of 7% GST.
^Inclusive of 10% discount when 2 or more children are enrolled in the same policy, up to a maximum of 4 children.

 

Frequently Asked Question

Parents whose unmarried child(ren) is between the age of 1 month and 18 years old (both ages inclusive) and primarily dependent on them for maintenance and support can apply for Kids Protect. The policy is renewable until the insured child(ren) is 23 years old (age inclusive).

Both the applicant and the insured child(ren) must be Singapore Residents. Singapore Resident means Singapore citizen, Singapore Permanent Resident, or holder of a valid Work Permit, Employment Pass, Long-Term Visit Pass, Dependant's Pass, or S Pass issued by the authorities in Singapore.


The period of insurance is 1 month if you are paying a monthly premium, and 1 year if you are paying an annual premium. The policy will be automatically renewed upon payment of the monthly/annual premium every month/year.


The premium does not increase as your child grows older.


No, this is a personal accident policy that covers your child for accidental injury. The Accidental Medical Expenses Reimbursement benefit, however, pays for treatment of the specified Covered Diseases up to a sub-limit of S$750.

The specified Covered Diseases are Chicken Pox, Dengue Fever, Dengue Haemorrhagic Fever, Hand, Foot and Mouth Disease, Malaria, Measles and Zika Fever.


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


Yes, your child will be covered so long as his/her policy remains active and he/she continues to meet the eligibility criteria.


Yes, your child will be covered even when he/she 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.


The Accidental Permanent Disability Benefit and the Daily Hospital Cash Benefit are payable in addition to any other insurance coverage that your child has. For the Accidental Medical Expenses Reimbursement benefit, the policy will pay the amount which has not been reimbursed under any other insurance policies.


At the end of every 12 consecutive months, you will receive a refund of 15% of the preceding 12 months’ premium (excluding GST) to your nominated account if no claim for an event that occurred in that period is made.


These 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, mountaineering or rock climbing.

Please refer to the policy wording – General Exclusions to find out more.


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


The policy will be cancelled automatically:

  • when 100% of the Accidental Permanent Disability Benefit has been paid;
  • when you or the insured child(ren) ceases to be a Singapore Resident;
  • when insured child(ren) is married or employed (excluding full-time National Servicemen);
  • when insured child(ren) reaches the age of 24 years old; or
  • upon death of insured child(ren)

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.

Disclaimers

Kids 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 Kids Protect (except 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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