Personal accident cover is a lump sum paid for accidental death or permanent disablement (the permanent loss of a limb, sight, hearing or speech). It pays up to S$1,000,000 for the cardholder or partner up to age 70 when the accident happens on a common carrier, meaning a scheduled flight, ferry, train or bus you paid to ride, and S$250,000 for a dependent child, capped at S$1,000,000 per family. Above age 70 the sum drops to S$50,000. An accident elsewhere during the trip, off the public conveyance, pays only up to S$50,000. The full trip fare must be charged to a DBS card for the cover to apply.
DBS Treasures card benefits: what does the travel insurance actually cover?
DBS·$535/year·Visa Infinite·Chubb Insurance Singapore
1,1/5Independent review · verified October 2026
1,3
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the DBS Treasures
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
You break your leg boarding a flight to Tokyo and the DBS Treasures Black Elite pays a large lump sum, but fall ill with food poisoning in the hotel and the card pays almost nothing. That is the shape of this Chubb cover: a headline travel-accident sum of up to S$1,000,000 for accidental death or permanent disability from an accident on a scheduled flight, ferry, train or bus (a common carrier), dropping to S$50,000 for a general accident off the conveyance. The card's travel insurance also carries a small S$5,000 overseas medical benefit, but it pays only for injuries from an accident, not illness, so a COVID or stomach-bug hospital admission (which MediShield Life does not pay for overseas) is on you. There is no emergency medical evacuation, no trip cancellation, and only token travel-delay, baggage-delay, missed-connection and lost-baggage benefits of S$400 to S$1,000. The cover switches on automatically when the trip fare is charged to a DBS card, with no separate registration. Treat the S$1,000,000 as an accident bonus for a priority-banking client, not as travel insurance, and pair it with a standalone Singapore policy from about S$20 a trip that actually pays overseas hospital bills, cancellations and evacuation.
What works on travel
- Up to S$1,000,000 for accidental death or permanent disablement from an accident on a scheduled flight, ferry, train or bus, with S$250,000 for a dependent child and a S$1,000,000 family cap
- Cover activates automatically when the trip fare is charged to a DBS card, with no separate pre-trip registration to remember
- Small extras included: S$5,000 accident-only overseas medical, S$400 travel delay from 4 hours, S$400 baggage delay and S$1,000 for permanently lost baggage
Where travel breaks down
- No overseas medical for illness: the S$5,000 medical benefit pays only for injuries from an accident, so a COVID or food-poisoning hospital stay abroad is not covered
- No emergency medical evacuation or repatriation, the benefit that pays S$50,000 to S$120,000 for an air ambulance home from Bali or Bangkok
- No trip cancellation or curtailment, so prepaid flights and hotels are not reimbursed if you cancel
- Baggage cover is thin and pays only for essential replacement purchases, not the market value of what was lost
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 14 guarantees
What does DBS Treasures Travel Insurance actually cover?
The S$1,000,000 headline is the common-carrier accident sum, not a medical limit; a general accident off the conveyance pays only up to S$50,000.
What's covered
- Accidental death on a scheduled common carrier: up to S$1,000,000 up to age 70
- Permanent disablement: loss of limbs, sight, hearing or speech per the table of events
- Partner and dependent children covered on the same trip
- Worldwide terrorism and disappearance extensions
What's not covered
- War, nuclear and chemical events, suicide and self-inflicted injury
- Accidents in a private or rented motor vehicle
- Pregnancy, mental disorders, intoxication and drugs
- Manual work, offshore, diving and similar occupations
This is accident-only medical cover capped at S$5,000. It does not pay for illness abroad, so it is not a substitute for overseas medical insurance.
This benefit reimburses overseas medical expenses, but only up to S$5,000 and only when the treatment follows an accident, not an illness. So a fall that needs stitches is covered up to S$5,000 (S$2,500 above age 70, S$10,000 per family), while food poisoning, an infection or COVID-19 pays nothing. That is a real gap, because MediShield Life and Integrated Shield Plans do not pay for overseas leisure treatment, and a serious hospital admission in the US or Europe can run past S$100,000. Treat this as first-aid money for an accident, not overseas medical cover.
Recommended : $1,000,000
What's covered
- Overseas medical expenses from an accidental injury
- Up to S$5,000 up to age 70, S$2,500 above 70, S$10,000 per family
What's not covered
- Illness of any kind, including COVID-19, colds and infections
- Pre-existing conditions and pregnancy
- Treatment after you return to Singapore
No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.
What's not covered
- Emergency medical evacuation is not a benefit of this card
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
What's not covered
- Overseas emergency dental is not a benefit of this card
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
What's not covered
- Overseas hospital daily cash is not a benefit of this card
No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
What's not covered
- Trip cancellation is not a benefit of this card
No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.
What's not covered
- Trip curtailment is not a benefit of this card
No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.
What's not covered
- Travel disruption is not a benefit of this card
Travel delay pays a benefit towards hotel, meals and refreshments if your scheduled public conveyance is delayed at least 4 hours overseas by a strike or riot, civil commotion, a natural disaster or bad weather, or a mechanical or structural fault. It pays up to S$400 per person and S$800 per family. The delay must be confirmed in writing by the carrier, with the number of hours and the reason. The 4-hour trigger is competitive, but the total payout is small.
Recommended : $1,000
What's covered
- Delay of 4 hours or more to a scheduled public conveyance
- Hotel accommodation, meals and refreshments
- Covers strike, riot, civil commotion, natural disaster, weather and mechanical fault
What's not covered
- A claim paid under missed connection cannot also be paid here for the same event
- Delays you knew about before departure
If you miss a connecting flight and there is no onward transport for 4 straight hours because your incoming flight arrived late and the carrier offers no alternative, the card pays up to S$400 per person and S$800 per family. It is meant for the wait, not a full re-routing, and where the same event could be claimed under travel delay, only one of the two pays. Keep the carrier's written confirmation.
Recommended : $3,500
What's covered
- Missed connection with no onward transport for 4 hours
- Caused by the late arrival of the incoming flight
What's not covered
- Not payable together with travel delay for the same event
- Alternative transport was made available
This pays for replacing essentials after a bag is permanently lost, not the value of the baggage or its contents.
This benefit does not pay the value of a lost suitcase. If your checked-in baggage is permanently lost by the carrier, or not returned within 48 hours, it reimburses what you reasonably spend on essential clothing, toiletries and requisites, up to S$1,000 per person and S$2,000 per family, bought within 96 hours of arrival. So a stolen camera or laptop inside the bag is not covered, only the cost of replacing basics while you are stranded.
Recommended : $15,000
What's covered
- Essential clothing, toiletries and requisites after permanent baggage loss
- Up to S$1,000 per person, S$2,000 per family
What's not covered
- The market value of lost items and valuables inside the bag
- Items bought after the 96-hour window
Baggage delay pays for essential purchases if your checked-in baggage is delayed in transit and not returned to you for at least 6 hours after arrival overseas. It reimburses essential clothing, toiletries and requisites bought within 48 hours, up to S$400 per person and S$800 per family. It is a small allowance to tide you over, not a replacement of the bag's contents.
Recommended : $1,500
What's covered
- Essential clothing, toiletries and requisites during a baggage delay
- Delay of at least 6 hours after arrival overseas
- Up to S$400 per person, S$800 per family
What's not covered
- Delays in Singapore or on the final leg home
- The value of the delayed items themselves
No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.
What's not covered
- Loss of travel documents is not a benefit of this card
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
What's not covered
- Personal liability overseas is not a benefit of this card
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the DBS Treasures wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: well above the market average
Medical repatriation: not covered by this card
Overseas emergency dental: not covered by this card
Hospital cash allowance: not covered by this card
Compare
TreasuresThis card1.1/5?
$535/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$210 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the DBS Treasures stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Treasures shoppers also consider.
| Card | This card Treasures DBS · $535/yr 1.1/5? | Insignia DBS · $3,270/yr 1.5/5? | Prestige Citibank · $652/yr 2.9/5? | Centurion American Express · $7,500/yr 4.2/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | S$1,000 S$1,000 air fare only | S$10,125 per person Up to S$10,125 | S$20,000 S$20,000 prepaid costs |
Emergency medical Hospital bills abroad | S$5,000 S$5,000 accident only | S$50,000 S$50,000 accidental medical | S$675,000 S$675,000 overseas medical | Chubb arranges and pays No stated medical sub-limit |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | S$50,000 Capped S$50,000 | S$675,000 S$675,000 evacuation | Arranged and paid by Chubb Evacuation + repatriation |
Trip delay trigger Hours before benefits kick in | 4h / S$400 Trigger: 4 hours | Not covered | 4h / S$675 Trigger: 4 hours | 4h / up to S$900 Trigger: 4 hours |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | Not covered | S$300/person S$300 per person |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the DBS Treasures
Cardholder experience with the card 3 reviews
S(
SCG8866T (HardwareZone)
Fees auto-waived, rewards are the draw
Plastic. All annual fee is auto waive. Atm fee if you use abroad also auto waive. Every 5 lollar you spend on the card you get 3x reward points locally and 6x reward points overseas.
S(
SCG8866T (HardwareZone)
Useless beyond the Treasures lounge
Besides gaining you entry to treasures centre to drink free coffee, and snacks and some louya reward points conversion(still better than normal dbs card but pales in comparison with frank and uob one card though). This card is useless.
D(
dahnoob (HardwareZone)
New benefits are mediocre
pretty unfortunate indeed. just took a look at the new benefits, which are rather mediocre. 20% bonus miles - need to book from the concierge (correct me if i'm wrong), which may or may not be overpriced.
Emergency · Card assistance line
How to contact DBS Treasures assistance?
This is accident-led cover handled through a Chubb claims channel, not a 24-hour medical evacuation hotline.
DBS card enquiries (Singapore)
comcards@dbs.com
Office hours
Chubb DBS travel claims
chubbclaims-dbs.com.sg
Email DBS.TravelClaims.SG@Chubb.com · Notify within 30 days of the incident
Benefit administrator: Chubb Insurance Singapore Limited for DBS
Claims & pre-authorizations
How to make a DBS Treasures Black Elite travel claim
1
Step 1: Notify Chubb as soon as possible
Start your claim with Chubb within the notice period in the certificate, commonly 30 days of the incident. Only expenses charged to the DBS Treasures Black Elite can be reimbursed where the benefit requires the fare to be charged to the card.
2
Step 2: Gather the proof Chubb needs
Keep the card statement showing the fare was charged, your boarding passes, and for a medical claim the doctor's report and receipts. For delayed or lost baggage, get a Property Irregularity Report from the airline before leaving the airport; for theft, file a police report within 24 hours.
3
Step 3: Escalate to FIDReC if a fair claim is denied
If Chubb rejects a claim you believe is valid, escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the insurer's final reply. FIDReC independently mediates disputes between consumers and financial institutions in Singapore.
FAQ
What people ask about the DBS Treasures
- The Chubb cover switches on automatically when the full trip fare, the air ticket or tour package, is charged to a DBS card before you travel. There is no separate opt-in form and no fixed dollar spend threshold: it is the full public-conveyance fare that counts. If you book an award flight on miles and only the airport taxes hit the card, that may not meet the full-fare condition, so check before you rely on it. Keep the card statement showing the fare was charged, because that is what a claim is checked against. Cover applies to overseas trips of up to 30 days.
- The cover extends to the principal cardholder, their legal partner (including a de-facto partner who has lived with you for at least 3 months), and dependent children aged 1 to 18, or up to 23 if they are full-time students, when they travel with you on a fare charged to a DBS card. Each has a personal accident sum: up to S$1,000,000 for the cardholder or partner up to age 70, S$250,000 for a child, capped at S$1,000,000 per family. Because this is an accident-led policy, do not assume a partner or child is insured for medical costs beyond the small S$5,000 accident-only benefit. Check the covered-persons definition in the policy summary before you count on it.
- Only in a narrow way. The card includes a S$5,000 overseas medical benefit, but it pays only when the treatment follows an accident, such as a fall or a road accident, not an illness. So a stomach bug, an infection or COVID-19 that puts you in hospital abroad is not covered at all. This matters because MediShield Life does not pay for overseas leisure treatment, and a serious admission in the US or Europe can run past S$100,000. For real overseas medical cover, you need a standalone travel policy.
- For an illness, no. The card's only medical benefit is S$5,000 and it applies solely to injuries from an accident, so an illness admission pays nothing. Even for an accident, S$5,000 barely covers a night or two in a foreign private hospital. There is also no emergency medical evacuation on this card, so an air ambulance home, commonly S$50,000 to S$120,000 from Bali or Bangkok, is entirely on you. Treat the card as an accident bonus and buy a standalone policy for the hospital bill.
- No. COVID-19 is an illness, and this policy's medical benefit pays only for injuries from an accident, so a COVID hospital stay overseas is not reimbursed. There is also no trip cancellation cover, so a trip you cancel after testing positive is not covered either. This position is card-specific: several Singapore complimentary policies handle COVID-19 differently, so never assume it carries from one card to another. A standalone Singapore travel policy that covers COVID-19 medical and cancellation starts from a few dollars a day.
- Personal accident cover, a lump sum for accidental death or permanent disablement, pays up to S$1,000,000 for the cardholder or partner up to age 70 when the accident happens on a common carrier, meaning a scheduled flight, ferry, train or bus. A dependent child is covered for S$250,000, with a S$1,000,000 family cap. Above age 70 the sum is S$50,000. This is the figure the card leads with, but it is an accident sum, not a medical or trip limit, so read the benefit table in the policy summary to see which amount applies to who.
- Less. The S$1,000,000 headline applies only to an accident while you are travelling on a common carrier, a scheduled public conveyance. For a general accident elsewhere during the trip, for example a fall at your hotel, the sum insured drops to S$50,000 for the cardholder or partner up to age 70, S$25,000 above 70 and S$50,000 for a child. So the amount you would actually receive depends heavily on where and how the accident happened.
- Claims are handled by Chubb Insurance Singapore, the underwriter. Give written notice as soon as possible and within 30 days of the incident, then submit the claim form with original receipts, any carrier report, and the card statement showing the trip fare was charged. You can file online at chubbclaims-dbs.com.sg or email DBS.TravelClaims.SG@Chubb.com. If Chubb denies a claim and you disagree, you can escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the insurer's final reply.
- Almost certainly, yes. This is an accident-led certificate, not full travel insurance: it pays a large accident sum but only S$5,000 of accident-only medical, with no illness cover, no evacuation and no trip cancellation. A single illness admission abroad, which MediShield Life does not cover outside Singapore, can run past S$100,000. A standalone Singapore travel policy fills those gaps from around S$20 for a single trip and usually covers COVID-19 medical and cancellation too. Treat the card cover as a top-up, not a replacement.
- No. The card carries no mobile phone insurance, no purchase protection and no extended warranty. If your phone screen cracks or the handset is stolen, the repair or replacement is on you, and a flagship screen repair alone runs about S$200 to S$600. The card's complimentary benefits are limited to overseas travel accident cover plus small delay and baggage benefits. For device protection you would need a separate gadget or mobile insurance policy.
Not just DBS
Other cards worth considering
Treasures is a strong choice — but depending on what you prioritize, one of these may suit you better.
Centurion
American Express
Platinum Charge
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ULTIMA
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Prestige
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