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<div class="sc-eMigcr section-heading jDSeqC">Conditions of Access</div>
<div class="sc-fzsDOv section-text YcTab">Access to this third party web site is granted by DBS Bank Limited (hereinafter known as "DBS") subject to the terms and conditions set out herein. By accessing this web site, you agree to be bound by the terms and conditions set out herein. If you do not agree to any of these terms and conditions, please discontinue your access to this web site immediately.</div>
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<div class="sc-fzsDOv section-text YcTab">DBS makes no representations or warranties in respect of this third party site you are about to access directly or indirectly via this web site. You acknowledge that the web site you are about to access is provided by [&lt;MerchantName&gt;] on an "as is", "as available" basis. DBS shall in no event be liable for any damage, loss or expense including without limitation, direct, indirect, special, or consequential damage, or economic loss arising from or in connection with:
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<li>any access, use or the inability to access or use this web site, or reliance on the contents of this web site;</li>
<li>any system, server or connection failure, error, omission, interruption, delay in transmission, computer virus or other malicious, destructive or corrupting code, agent, program or macros; Even if DBS or its agents or employees are advised of the possibility of such damage, loss and/or expense. Access to this web site is not an endorsement or verification of such web site and such web site should only be accessed at your own risks. This exclusion clause shall take effect to the fullest extent permitted by law.</li>
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Enjoy a 20% lifetime premium discount when you sign up for Singlife CareShield Plus Plans with the promo code LTC1.

Singlife CareShield Plus Plans 20% off lifetime premium

Singlife CareShield Plus Plans

<div><p>
The average long-term care cost has risen to S$2,952 a month, according to Singlife’s Long-Term Care Research 2024 study.* Many people, especially young families might find themselves to be financially underprepared for managing the cost of long-term care.<br><br>
To help, DBS/POSB has partnered with Singlife for an exclusive 20% off lifetime premium. With two government approved supplement plans specifically designed to enhance your CareShield Life or ElderShield payouts, you can ensure that you or your loved ones receive the necessary care during unforeseen life events, providing you with peace of mind and financial security.<br><br>
Use the promo code “<b>LTC1</b>” to avail the following benefits from Singlife CareShield Plus:<br><br> 
<ul>
<li><b>Receive up to S$5,000 per month:</b> In addition to your basic CareShield Life payouts, you can receive up to S$5,000 monthly for as long as you are severely disabled. </li>
<li><b>Support starts upon onset of disability:</b> Additional payout if you’re unable to perform any Activities of Daily Living (ADLs).</li>
<li><b>Additional lump-sum benefit:</b> You will receive a one-time lump-sum payment to cover any immediate financial needs.</li>
<li><b>Payouts for dependents:</b> Additional payout if you have dependents under the age of 22.</li>
<li><b>Get premium relief:</b> Premium waiver in the event of mild disability.</li>
<li><b>Flexible premium payment options:</b> You can choose to pay premiums until you reach age 99 or until your 69th birthday.</li></ul>
<br>Learn more about the plans <a href=' https://www.dbs.com.sg/personal/common-disclaimer.page?url=https%3A%2F%2Fsinglife.com%2Fcontent%2Fdam%2Fpublic%2Fsg%2Fdocuments%2Fdisability-insurance%2Fsinglife-careshield-standard-and-singlife-careshield-plus%2Fsinglife-careshield-standard-and-plus-brochure.pdf&3rdparty=%27Singlife%20CareShield%20Life%20brochure%27' target='_blank'> here</a><br>
<br><i>*Sourced from Singlife website, LifesStuff article: “Are young families prepared for their long-term care needs?”</i></div></p>

<div><p>
This promotion is a collaboration between DBS Bank and Singlife. In order to participate in the 20% discount, eligible customers must key in the promo code '<b>LTC1</b>’. All ages mentioned refer to age next birthday (ANB).<br><br> 
<ol>
<li>Terms and conditions apply. View the full terms and conditions for both <a href='https://www.dbs.com.sg/iwov-resources/media/pdf/marketplace/health/dbs-hmp-singlife-cls-promo-tnc.pdf' target='_blank'>here</a>.</li>
<li>Severe disability refers to being unable to perform at least two (for Singlife CareShield Plus) of the six Activities of Daily Living (ADLs). The ADLs are washing, toileting, feeding, dressing, transferring and mobility.</li>
<li>MediSave use is applicable to an amount of up to S$600, per calendar year, per life assured. Premiums exceeding this limit will have to be paid in cash. If there are insufficient funds in the designated MediSave account, cash payment will be required for the difference.</li>
<li>Payouts will be reviewed regularly and may be adjusted to account for claims experience and long-term changes in disability and longevity trends.</li></ol>
<br>
Please refer to the <a href="https://www.dbs.com.sg/personal/common-disclaimer.page?url=https%3A%2F%2Fsinglife.com%2Fcontent%2Fdam%2Fpublic%2Fsg%2Fdocuments%2Fdisability-insurance%2Fsinglife-careshield-standard-and-plus-and-eldershield-standard-and-plus%2Fproduct-summary.pdf&3rdparty=%27singlife%27" target="_blank"> Product Summary</a> for more details.<br><br>
This policy is underwritten by Singapore Life Ltd. (""Singlife"").
This is published for general information only and does not have regard for the specific investment objectives, financial situation and particular needs of any specific person. You may get a copy of Product Summary from Singapore Life Ltd. or our participating distributors' offices. You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. If you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you.
<br><br> 
Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. You will need to have a basic CareShield Life (CSHL) or ElderShield (ESH) policy before purchasing Singlife CareShield Plus (“Supplements”). Supplements purchased by CSHL policyholders are regulated under the CareShield Life and Long-term Care Act. Supplements purchased by ESH policyholders before the transfer of ESH to Government administration are considered ESH Supplements, which are regulated under the Central Provident Fund (Withdrawals for ElderShield Scheme) Regulations. After the transfer, they are considered CSHL Supplements, regulated under the CareShield Life and Long-term Care Act.
<br><br>
This is not an insurance contract. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.
<br><br>
This advertisement has not been reviewed by the Monetary Authority of Singapore.
<br><br>
This policy is 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 Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).</div></p>

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<ol>
<li>The DBS Health Marketplace does not provide information on all Integrated Shield Plans and CareShield Life Supplements available in Singapore and only displays information from DBS’ insurer partners.</li>
<li>While we strive to keep all our insurers’ partners product information accurate and up to date, please note that the most updated product information will be only available on our insurer partners’ own site.</li>
<li>We may receive fees or commission from our insurer partners for marketing or selling their products to you.</li>
<li>The information provided on DBS Health Marketplace is only for education and your general information. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. If you require advice relevant to your own circumstances, please speak to a financial adviser. If you have chosen not to do so, you should read the precise terms, conditions and exclusions of the plan which can be found in the policy conditions available in the insurer partner’s website, including the free-look provision, and consider whether the plan is suitable for you.</li>
<li>DBS may vary the terms & conditions or discontinue any promotion/privileges at any time without any notice or liability to any party.</li>
<li>DBS makes no warranty or representation as to the quality, insurerability or fitness for purpose of the insurer's goods and services. Any dispute about the same must be resolved directly with the insurer.</li>
<li>DBS shall not be liable for any loss, injury, claim or damage suffered or incurred as a result of the use of the insurer's goods and services.</li>
<li>DBS/POSB is not an agent of any of these participating clinics and makes no representation as to the quality service provided. All feedback should be directed to insurer, whose terms and condition will apply.</li>
<li>Price stated is inclusive of prevailing GST.</li>
</ol>
</div>

Enjoy a 20% lifetime premium discount when you sign up for Singlife CareShield Standard Plans with the promo code LTC1.

Singlife CareShield Standard Plans 20% off lifetime premium

Singlife CareShield Plus Plans

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