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  • Major Surgery Benefit

    Lump sum payment of up to S$10,000 in the event of hospitalisation due to Accidental Injury or Sickness, and requiring you to undergo a Major Surgery

  • Minor Surgery Benefit

    Lump sum payment of up to S$5,000 in the event of hospitalisation due to Accidental Injury or Sickness, and requiring you to undergo a Minor Surgery

  • Day Surgery Benefit

    Lump sum payment of up to S$1,000 due to Accidental Injury or Sickness, and requiring you to undergo a Day Surgery

  • Multiplier Benefit

    10% increase of benefit amount per year for 5 consecutive years, with only 5% increase of premium per year for 5 consecutive years!

Your Health Insurance Products

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True Hospital Cash


Receive a daily hospital cash benefit pay out for hospitalisation due to accidental injury or sickness.

Protection Plan

Protection Plan


Protection that gives you greater peace of mind while you focus on your recovery

Other Insurance

Other Insurance


Protection to help you get the most out of life

True Surgical Cash

Why American Express?

Protection that matters

Discover our wide range of insurance products that are designed to protect you and your family. Choose what suits you: Our services are tailored to your needs.

Simple, Quick, and Transparent

Protect you and your loved ones in just a few clicks. Our dedicated insurance advisors are always available to advise you on the most suitable product.

Trusted Partnerships

We have partnered with Chubb Insurance and AIA Singapore to provide you with comprehensive coverages for the things that matter most to you.

Service and Security

Feel confident knowing you’re backed by the same quality service from American Express that you’ve come to know and trust.

Our Insurance Partners

We work with international partners to provide the best insurance services

  • Chubb logo
  • AIA logo

Still Have Questions?


True Surgical Cash is underwritten by Chubb Insurance Singapore Limited (“Chubb”) and distributed by American Express (“AMEX”). It is not an obligation of, deposit in or guaranteed by AMEX. This is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy wordings which can be viewed online prior to purchase. You are responsible for ensuring that any insurance product you have applied for is suitable for you.

You have a free look period of 30 days from the date you receive the Policy. If you decide to cancel the Policy within these 30 days, please inform Chubb in writing and they will cancel the Policy from its start date and refund the full premium paid, provided no claim has arisen.

Policy Owners' Protection Scheme

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 coverage, where applicable, please contact Chubb or visit the GIA or SDIC websites ( or

This is only product information provided by us and is not a contract of insurance. Accordingly, the information should be read and construed in light of, and subject to all terms, conditions and exclusions contained in the Policy. Please consider your objectives, financial situation or needs to decide if the product is appropriate for you. The above disclaimer applies to this entire marketing webpage. American Express International, Inc., identifies insurance and products that may be of interest to some of its customers. In this role, we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity may be the reinsurer and may earn reinsurance income. The arrangement we have with certain providers, including the potential to reinsure the products, may also influence what products we identify. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.