POSB Insurance Disclaimers

Disclaimers on Life Insurance

These insurance plans are underwritten by Aviva Ltd.

This is not a contract of insurance. The standard terms and conditions of this plan are provided in the relevant policy contract. This is published for information and general circulation only and does not have regard to any specific investment objectives, financial situation or the particular needs of any specific person.

You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You should seek advice from a qualified adviser if in doubt.

Investments in investment-linked policies (ILP) are subjected to investment risks including the possible loss of the principal amount invested. The value of units in the sub-fund and the income accruing to the unit, if any, may fall as well as rise. You should read the product summary before deciding whether to subscribe for units in the ILP sub-fund. The product summary may be obtained from Aviva Ltd or any POSB/DBS Bank branches.

Disclaimers on General Insurance

These insurance plans are underwritten by MSIG Insurance (Singapore) Pte. Ltd. (MSIG) and are distributed by DBS Bank Ltd.

This is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy wordings and will be sent to you upon acceptance of your application by MSIG.

The benefits of personal accident policies are only payable subject to the occurrence of an accident during the policy period. You should consider carefully if you are intending to switch personal accident policies, as this might be detrimental to your current and/or future needs.

These policies are 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 coverage, where applicable, please contact MSIG or visit the GIA or SDIC websites.

MSIG is ISO 9001:2008 certified, holds an "AA-" financial rating by Standard & Poor's and is a member of the MS&AD Insurance Group (MS&AD). MS&AD was named the 'General Insurance Company of the Year' at the 2011 Asia Insurance Industry Awards.