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Step 1: The policyholder, his family members or legal representative needs to notify DBS of the claim via DBS Phone Banking (24/7) 1800 111 1111

Event	Timeline to notify DBS	Required documents
Terminal Illness, Critical Cancer, Early Cancer	Within 30 days of the diagnosis	Proof of date of birth, details of illness, and address
Total and Permanent Disability	Within 120 days of the disability	Proof of date of birth, details of illness, and address
Death	Within 30 days of the Life insured’s passing	Death certificate and proof of date of birth

Step 2: Submit all required medical reports and evidence in writing to DBS

Type of claim	Type of medical report	Supporting documents
Terminal Illness	Terminal illness APS	Relevant lab test, Histology Report and any other documents which we may require for our claim review
Cancer, Early Cancer	Cancer APS	Relevant lab test, Histology Report and any other documents which we may require for our claim review
Total and Permanent Disability	Disability APS	Relevant lab test and any other documents which we may require for our claim review
Death	Death APS	Any other documents which we may require for our claim review

Frequently Asked Questions Can I choose which cards to cover under my CardCare Protector plan?

No, CardCare Protector automatically covers the amounts charged to all the credit cards that you hold at the point of application, including supplementary cards.

How are CardCare Protector premiums calculated?

You pay just S$0.58 for every S$100 in credit card bills incurred by you. Premiums are charged on a monthly basis for each of the credit cards that you hold.

Statement billing cycle on 3 rd of the month: CardCare Protector premiums will be based on your credit card bill for transactions between 3 rd of the previous month to 2 nd of the billing month
Statement billing cycle on 15 th of the month: CardCare Protector premiums will be based on your credit card bill for transactions between 15 th of the previous month to 14 th of the billing month

How do I pay my premiums?

You will see the premiums charged in your monthly credit card statement. Simply pay your credit card bill like how you usually do; there is no need to pay for CardCare Protector Premiums separately.

For example, if you hold 2 credit cards (DBS Altitude Card and POSB Everyday Card), this is what your credit card bill could look like:

DBS Altitude Card	POSB Everyday Card
Credit card total transaction amount for the billing month	S$1,000	S$800
CardCare Protector premium amount	S$5.80	S$4.64
Total credit card bill	S$1,005.80	S$804.64

What kind of cancer does this plan cover?

The plan covers cancer of the following:

Breast
Cervix Uteri
Ovary
Uterus
Vagina
Colon (excluding rectum)

Colon (excluding rectum)
Lung
Prostate
Small Intestine
Liver
Nasopharyngeal

Fallopian Tube
Vulva
Stomach
Rectum
Bladder
Thyroid Cancer
Chronic Lymphocytic Leukemia

Penis
Stomach
Rectum
Bladder
Thyroid Cancer
Testis
Chronic Lymphocytic Leukemia

Is there a waiting period for the Early Cancer Benefit/ Critical Cancer Benefit?

Yes, there is a 90-day waiting period from the policy effective date to claim under the Early Cancer Benefit and Critical Cancer Benefits. Waiting period is the time specified which must pass before the coverage begins.

Can I make a claim more than once?

No, only one claim can be made. Once a claim has been paid out, the policy will terminate.

Can I surrender my policy and receive a cash payout?

No. This policy has no cash value.

What are the key exclusions under the CardCare Protector policy?

Manulife will not pay benefits if the claimed event is/ is a result of:

Pre-existing conditions;
Participation in competitive racing of any kind other than on foot;
Over-indulgence in alcohol;
Drug-taking unless taken under the direction of a registered medical practitioner

Please refer to the Certificate of Insurance (COI) for the full list of exclusions.