DBS Bank Health Insurance

DBS Bank health insurance covers the medical expenses of DBS Bank account holders in case of planned and unplanned treatments. They are offered in partnership with health insurance providers and have been customised to meet the diverse healthcare needs of their customers. However, the DBS Bank policy will remain valid until the bank is collaborated with the insurer and the customer holds an operational bank account.

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      DBS Bank Health Insurance: Key Highlights

      Categories Specifications
      Pre-existing Diseases (PED) Covered from day 1
      Validity of DBS Bank Health Insurance Plans 1. As long as the bank has a tie-up with the insurance company
      2. As long as the customer has an active account with DBS Bank
      Riders Not generally available
      Premium Payment Gets deducted automatically from the linked DBS Bank account
      Tax Benefits Eligible under Section 80D of the Income Tax Act

      Disclaimer: The PED waiting period may differ as per the terms and conditions of the DBS Bank health insurance policy.

      Benefits of DBS Bank Health Insurance

      Check out the key benefits of purchasing DBS Bank health insurance for account holders:

      1. Affordable Premiums

        Health insurance plans available through DBS Bank are generally priced lower than standard medical policies. This is due to the bank's collaboration with insurance providers, which enables them to offer exclusive discounts to their customers.

      2. Instant Coverage for Pre-existing Diseases

        The DBS Bank health plan may provide coverage for pre-existing diseases from day 1, unlike most regular mediclaim policies that cover such diseases after a waiting period of up to 3 years.

      3. No Agent Involvement

        DBS Bank account holders can purchase a mediclaim policy directly through their trusted bank without the involvement of insurance agents. This ensures a transparent policy-buying process and allows customers to choose plans independently.

      4. Automatic Premium Payments

        Premiums of DBS Bank health insurance plans are auto-debited from the bank account of the customer. This ensures timely payments and reduces the risk of policy lapses.

      5. Enhanced Convenience

        Purchasing health insurance through DBS Bank offers greater convenience than buying the policy directly from an insurer. Besides, it provides a more streamlined experience for account holders as the bank manages both banking and insurance services.

      6. Variety of Health Plans

        DBS Bank provides a variety of medical insurance plans to meet different health requirements, including those of individuals as well as families. This wide selection of plans helps customers find a suitable plan based on their unique healthcare needs.

      List of Plans Offered by DBS Bank Health Insurance

      The DBS Bank offers the following medical insurance plans to its customers:

      DBS Bank Health Insurance Plans Sum Insured Ideal For
      Bajaj Allianz My Health Care Plan ₹3 lakh to ₹5 crore Individuals and Families
      Bajaj Allianz Extra Care Plus Plan ₹3 lakh to ₹50 lakh Super Top-up
      Bajaj Allianz Global Health Care Plan ₹37.5 lakh to ₹3.75 crore Overseas Coverage
      ManipalCigna Prime Senior Plan ₹3 lakh to ₹50 lakh Senior Citizens
      ManipalCigna Super Top-up Plan ₹1 lakh to ₹30 lakh Super Top-up
      ManipalCigna ProHealth Prime Plan ₹3 lakh to ₹1 crore Individuals and Families
      ManipalCigna Sarvah Plan ₹5 lakh to ₹3 crore Individuals and Families
      ManipalCigna Lifetime Health Plan ₹50 lakh to ₹3 crore Domestic and Overseas Coverage
      Royal Sundaram Lifeline Insurance Plan ₹2 lakh to ₹1.5 crore Individuals and Families

      Note: The above DBS Bank health insurance plans are as of June 4, 2025.

      What is Covered by DBS Bank Health Insurance?

      The DBS Bank health insurance policy provides coverage for the following:

      Note: The exact coverage may differ from one DBS Bank insurance plan to another.

      What is Not Covered by DBS Bank Health Insurance?

      Listed below are the expenses not covered by DBS Bank health insurance:

      • Self-inflicted injuries
      • Dietary substances and supplements
      • Treatment for addiction to intoxicated substances
      • Weight loss treatments
      • Plastic surgery
      • Treatment for injuries sustained while participating in unlawful activities
      • Treatment for injuries due to participation in dangerous sports
      • Change of gender treatments
      • Unproven treatments

      Things to Keep in Mind While Buying a DBS Bank Health Insurance Plan

      Here are a few things customers should remember while buying a DBS Bank health insurance scheme:

      • Policy Validity - The mediclaim policy offered by DBS Bank remains valid as long as the customer maintains an active bank account and the bank has a tie-up with the insurance company.
      • Limited Coverage - Coverage offered under the DBS Bank health policy may be limited compared to retail health plans due to the discounted premiums charged by the bank.
      • Riders - The DBS Bank medical plan may not offer the option to add health insurance riders, which is usually not the case under regular mediclaim policies.
      • Insurer Options - The option of health insurance companies may be limited under bank health insurance vs personal retail health insurance.

      DBS Bank Health Insurance: FAQs

      • Q1. Can I buy health insurance from DBS Bank?

        Ans: Yes, you can buy health insurance from DBS Bank. However, your policy will remain valid as long as you hold an operational account with the bank and the bank continues its partnership with the insurer.
      • Q2. Who are DBS Bank insurance partners?

        Ans: DBS Bank insurance partners include Bajaj Allianz General Insurance Company, ManipalCigna Health Insurance Company, and Royal Sundaram General Insurance Company.
      • Q3. How to check the DBS Bank health insurance policy status?

        Ans: You can check the DBS Bank health insurance policy status on the website of the insurer associated with the bank. You can even contact their customer support team to know the status of your mediclaim policy.
      • Q4. What is the DBS Bank health insurance policy download process?

        Ans: To download the DBS Bank health insurance policy, you can either visit the official website of the insurance company associated with the bank or speak with the customer support team.
      • Q5. Is the DBS Bank health insurance claim process cashless?

        Ans: Yes, the DBS Bank health insurance claim process is cashless. This enables customers to obtain treatment at any hospital without paying the bill upfront. Once the treatment is complete, the insurer settles the claim amount directly with the hospital.
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2027, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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