Insure
Accident and Health
Health Insurance

When a medical emergency strikes you should be thinking about your loved ones, not worrying about the costs. Wouldn’t it be great to have peace of mind and leave your savings untouched? 

Now you can, with affordable health insurance on DBS Bank. The policy covers a wide range of treatments and allows you to make tax savings of up to ₹25,000 in a financial year1. There are no medical tests, so you can get instant low-cost cover for yourself and your family right now on the digibank app.

Instant cover

Instant cover

With no medical tests required

Cashless treatment

Or get reimbursed for expenses

Pre-existing conditions covered

After three years

Dedicated helpline

Available on 1860 425 0000


1. Subject to current tax laws. Under Section 80D of the Income Tax Act, those who purchase a health insurance policy for themselves or their family can claim a tax deduction of up to ₹25,000.

Benefits of Health Insurance

  • You’re covered for fees and expenses : 100% cover for surgeon and doctor fees; 30 days pre-hospitalisation expenses and 60 days post-hospitalisation expenses; ambulance charges up to ₹3000
  • No need for overnight hospitalisation : certain day care treatments are covered
  • Maternity coverage of ₹40,000 : after two years of continuous coverage (only available under a floater policy)
  • The sum insured increases each year : 20% for every year without a claim (subject to a maximum increase of 50%)

How to Apply for Health Insurance

View Illustration


For DBS Bank users

  • Using the digibank mobile app
  • Launch the app on your smartphone
  • Log in and tap “Insurance” in the navigation menu

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Frequently Asked Questions

What are the various sum insured available?

The following are the Sum Insured amounts available

  • ₹2 Lac
  • ₹3 Lac
  • ₹5 Lac
  • ₹7 Lac
  • ₹10 Lac
Can I also cover my family members?
Cover is available for yourself, your spouse and up to two dependent children.
Are any medical tests needed for this policy?
There is no need for any medical examinations if the insured are in good health and 55 years old or younger. You can get covered by just confirming your good health status when making your application and paying applicable premium amount.
Is there an age limit?
You can apply for cover up to the age of 55 years. We also guarantee lifelong renewability beyond 100 years of age, subject to the policy being renewed periodically without any break.
What are the key features of the cover?
  • Cashless hospitalisation in approximately 4000 hospitals across India
  • Cover from the date and time of premium payment
  • Cover for accidents without any waiting period
  • 100% cover for surgeon and doctor Fees
  • Cover for day care procedures which do not require 24 hours hospitalisation
  • 30 days pre-hospitalisation expenses
  • 60 days post-hospitalisation expenses
What are the waiting periods for treatment?
  • 30 days waiting period for diseases contracted during first 30 days of cover
  • One year waiting period for treatment of cataract, benign prostatic hypertrophy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocele, fistula in anus, piles, sinusitis and related disorders
  • 3 year waiting period for treatment of pre-existing diseases & complications
Will I get complete cover for all hospital expenses from the fourth year onwards?

While the majority of your hospital expenses will be covered, this policy has permanent exclusions (which are applicable forever). These include:

  • Pregnancy and its complications for an individual policy
  • Outpatient treatment charges
  • Dental treatments (unless hospitalisation is required)
  • Cosmetic or weight management treatments or surgeries
  • Injuries resulting from nuclear, biological, or chemical terrorism
  • Hormone replacement therapy
  • Alternative medical treatments that are not considered part of modern medicine , such as homeopathy
  • Any hospitalisation arising from hazardous occupations or activities
  • Treatment received outside of India
  • Treatment for alcoholism or drug addiction
How does cashless treatment work?
  • Along with your Certificate of Insurance a plastic TPA card will be given to you
  • The unique identification number of the policy and the TPA’s (Third Party Administrator) phone number will be printed on the card
  • In the event of hospitalisation, please call the TPA and ask which nearby network hospital can provide cashless treatment
  • In case of planned treatment, approach the hospital at least 72 hours before admission and show your TPA card, your identification details & doctor’s advice. In the unfortunate event of an emergency admission ensure you present the hospital with your TPA card within 48 hours of admission.
  • If the medical condition for which treatment is proposed does not fall under any waiting period or permanent exclusion, then the TPA will send pre-authorisation to the hospital.
  • Cashless treatment can then proceed.
  • If the chosen hospital is not under the TPA network, all hospital bills must be settled by the insured and presented to Royal Sundaram at the below address along with a completed claim form and other relevant documents. 
    1. Accident & Health Claims Department Royal Sundaram General Insurance Co. Limited,6th Floor, Vishranthi Melaram Towers, 2/319,Rajiv Gandhi Salai (OMR), Karapakkam,Chennai – 600 097
    2. In this scenario, please inform Royal Sundaram within 7 days from date of discharge
  • If the medical condition for which treatment is proposed does not fall under any waiting period or permanent exclusion, then Royal Sundaram will process the claim and send a cheque in settlement.
  • The claim documents for reimbursement should be submitted within 30 days from date of discharge from hospital.
Can I renew the policy indefinitely?
This health policy can be renewed for life, provided you continue to bank with DBS and DBS renews its policy with Royal Sundaram.

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Disclaimer

DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the registered office at GF: Nos. 11 & 12, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Corporate Agent of Royal Sundaram General Insurance Company Limited (IRDA of India Regn.No.102) CIN: U67200TN2000PLC045611 having the Registered office address at No.21, Patullos Road, Chennai - 600002. DBS Bank India Limited (Bank) does not underwrite the risk or act as an insurer. The Group Health Insurance Plan by Royal Sundaram with UIN: IRDA/NL-HLT/RSAI/P-H/V.I/184/13-14 is underwritten by Royal Sundaram General Insurance Company Limited. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis and is not linked to availment of any other facility from the bank. ISNP registration valid.

The contents and product information of this web site are given strictly for your convenience and is indicative in nature and ‘as is’ received from the Insurer. Nothing contained herein is to be construed as advice, recommendation, offer for a policy or any other assistance. Bank does not guarantee that this website reflects latest amendments/ information at all times or at any time. Bank shall have no liability to the customer for any loss or damage of any kind incurred for reliance on the content and product information available on this website.

For more details on risk factors, terms and conditions, exclusions, please read sales brochure of insurer and policy terms and conditions carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change.

Contact our 24-hour toll free customer service helpline number 1-800-209-4555 / 1-860-267-1234 or our overseas customer service number 91-44-66854555 or write to us at [email protected]. Visit us at: www.dbs.com/in

UIN: IRDA/NL-HLT/RSAI/P-H/V.I/184/13-14

Topics

InsuranceAccident and Health
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