Accident Secure (for DBS SME customer only)

Exclusive for DBS SME customer to apply. 

This Policy covers accidental death and permanent disablement and actual medical expenses for accidental injury and provides 24-hour Worldwide Assistance Services when you travel abroad. 

With respect to the Accidental Death Benefit for “DBS SME borrowing customers”, Chubb will first assist to settle any DBS outstanding loan and pay the remaining balance to the legal representative of the Insured Person’s estate. For “DBS SME non-borrowing customers”, Chubb will pay the Accidental Death Benefit to the Insured Person’s estate.

• Up to HK$3,000,000 cover for Accidental Death and Permanent Disablement Benefit
  • Accidental death and permanent disablement coverage up to HK$3,000,000 as a result of an accidental injury.
  • Either an accidental death or permanent disablement benefit will be paid in one accident.
     
• Accidental Medical Expenses

In case of an accidental injury, we will cover your actual medical expenses which includes medical, hospital, surgical, physiotherapy, and X-ray costs.

• Flexible choice of plan levels

We offer flexible plan levels for coverage from HK$500,000 to HK$3,000,000 to suit for customers’ needs.

• 24-Hour Worldwide Assistance Services 

24-Hour Worldwide Assistance Services are arranged through Chubb Insurance Authorised Assistance Service Provider to assist you in any emergency when you travel outside Hong Kong.

Simply call our Chubb Insurance Service Hotline at (852) 3191 6618 or contact your Relationship Manager for more information.

(Office Hours: Mondays to Fridays, from 9:00am to 6:00pm, excluding public holidays)

1. The above insurance plan is underwritten by Chubb Insurance Hong Kong Limited ("Chubb"). Chubb reserves the right of final approval. DBS Bank (Hong Kong) Limited ("the Bank", which expression includes its successors and assigns) is an insurance agent authorised by Chubb.
2. Chubb Insurance Service Hotline is a dedicated enquiry hotline for DBS customers serviced by Chubb.
3. Major Exclusions: any event arising directly or indirectly out of an Insured Person being a manual work labourer or is involved in any dangerous activity such as working at height, in water, operating large machinery, in a construction site; any pre-existing medical conditions; suicide, intentional self-infliction; pregnancy, childbirth, miscarriage; cosmetic surgery; war, civil war, insurrection, revolution; performing duties as a member of armed forces or other law enforcing agencies; participation in any professional sports, competition; engaging in any motor sports as a rider, driver and/or a passenger, etc. 
4. The above information are the highlights of plan’s coverage only. For the plan's details, please refer to the terms and conditions and exclusions of the policy. In the event of any discrepancy between English and Chinese version, the English version shall prevail.
5. In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the policy should be resolved directly between Chubb and the customer.
6. The Bank may receive commissions and incentives from Chubb as remuneration for marketing or promoting Chubb’s products.

Collection of Levy on Insurance Premium
Levy collected by the Insurance Authority will be imposed on relevant policy at the applicable rate. The payment received for such levy will be remitted to the Insurance Authority under the prescribed arrangement. For further information, please visit www.ia.org.hk/en/levy.