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Dependants' Protection SchemeDependants' Protection Scheme<p> </p>The Dependants’ Protection Scheme (DPS) is a term insurance that provides insured members and their families with some money to get through the first few years should the insured members pass away, suffer from Terminal Illness or Total Permanent Disability.​TrueTrueTrueResources;#Forms;#Others;#



UnderstandWhat is Dependants’ Protection Scheme (DPS)?<p>DPS is a term-life insurance scheme which is automatically extended to eligible CPF members.</p><p>DPS covers insured members for a maximum sum assured of $46,000 up to 60 years old. The DPS benefit will be paid out to insured members and their families should the insured members pass away or suffer from Terminal Illness or Total Permanent Disability.</p><p>Currently, DPS is administered by two insurers, <a href="" target="_blank">Great Easter​n Life</a> and <a href="" target="_blank">NTUC ​Income</a>.</p>Dependants' Protection Scheme15571557
UnderstandWho will be covered under DPS?<p>To be eligible for automatic inclusion under DPS, you must be a Singapore Citizen or Permanent Resident, and have a CPF contribution from your employment (including self-employment) between age 21 and 60 years old.</p><p>You will receive a welcome package from your assigned insurer after your first CPF working contribution is credited. The welcome package will guide you to complete the necessary DPS forms​.</p><p>If you are below the age of 21, but above the age of 16, you can apply to be insured with the DPS insurers directly.</p>Dependants' Protection Scheme15581558
UnderstandWhat are some benefits of DPS?<p>As an insured member, you enjoy</p><ul><li>financial protection at <a href="/Members/Schemes/schemes/other-matters/dependants-protection-scheme/detailstab/Item1570">affordable DPS premiums</a>; and </li> <li>convenience of using your CPF Ordinary Account (OA) and/or Special Account (SA) savings to pay the DPS premium.</li></ul>Dependants' Protection Scheme15601560
EvaluateDo I need to declare my health to be insured under Dependants’ Protection Scheme (DPS)?<p>Yes, the eligibility for a DPS cover is subject to you being in good health.</p><p>As with any life insurance, DPS cover may be deferred or declined if a member has any serious pre-existing illnesses. This is to ensure that the scheme remains viable and the premiums are kept affordable for all insured members.​​​</p>Dependants' Protection Scheme15501550
UnderstandIs Dependants' Protection Scheme compulsory?<p>Coverage under the Dependants' Protection Scheme (DPS) is not compulsory. Insured members can terminate their DPS policy any time by completing and submitting the opt out form to their DPS insurer.</p><p>However, insured members would need to declare their health if they wish to apply for DPS again. The application will be assessed based on their health condition then.</p>Dependants' Protection Scheme28741787
EvaluateIf I am suffering or have ever suffered from a specific medical condition, can I still be insured under DPS?<p>The DPS insurers will consider your eligibility after assessing your medical condition. You can refer to your health declaration form or refer to <a href="" target="_blank">Great Eastern Life</a> and <a href="" target="_blank">NTUC Income​</a> for more information.</p>Dependants' Protection Scheme15531553
EvaluateWhen can a DPS claim be made?<p>A DPS claim can be made when the insured member</p><ul><li style="margin-bottom:5px;">is certified by a doctor as suffering from terminal illness or total permanent disability; or </li><li style="margin-bottom:5px;">passes away.​​</li></ul>​<span style="line-height:1.6;">The DPS bene​fit will not be payable if any of the following events occur within the first policy year: ​​​</span><br> (a) you committed self-inflicted injury or suicide; <br>(b) you committed a criminal offence punishable by death; or <br>(c) claim arose out of your own intentional criminal act.​<br>​ <p>DPS benefits are also not payable if:​</p>​(d) you suffer from serious illness, Terminal Illness or Total Permanent Disability before the commencement of the cover; <br>(e) you have provided false or misleading information; or <br>(f) your claim arose from wars or any warlike operations or participation in any riot. Dependants' Protection Scheme15611561
EvaluateHow can I file a DPS claim?<p>You can contact your <a href="/Members/Schemes/schemes/other-matters/dependants-protection-scheme/faqtab/faq16821">DPS ​​insurer</a> for more information.</p>Dependants' Protection Scheme15621562
EvaluateHow can I make a DPS nomination?<p>You can contact your <a href="/Members/FAQ/schemes/other-matters/dependants-protection-scheme#faq2187399">DPS insurer</a> for more information. Please note that your <a href="/Members/Schemes/schemes/other-matters/cpf-nomination-scheme">CPF nomination</a> does not apply to the distribution of DPS claim benefit.</p>Dependants' Protection Scheme15661566
DecideHow can I check if I am covered under Dependants’ Protection Scheme (DPS)?<p>You can check the status of your coverage and your insurer at <em>my cpf</em> Online Services > My Messages. You may also check the details in your yearly CPF Statement of Account.</p>Dependants' Protection Scheme15631563
DecideHow much do I need to pay to be covered under DPS?<p>It depends on your age at your last birthday. The yearly premium for a maximum sum assured of $46,000 is as follows:</p><table class="ms-rteTable-default" cellspacing="0" style="width:100%;"><tbody style="text-align:center;"><tr bgcolor="#d2d2d2"><th style="width:50%;text-align:center;"> <strong style="color:#444444;">Age (Last Birthday) </strong></th><th style="width:50%;text-align:center;"> <strong style="color:#444444;"> Yearly Premium </strong></th></tr></tbody><tbody><tr align="middle"><td>34 years and below</td><td>$36</td></tr><tr align="middle"><td>35 – 39 years</td><td>$48</td></tr><tr align="middle"><td>40 – 44 years</td><td>$84</td></tr><tr align="middle"><td>45 – 49 years</td><td>$144</td></tr><tr align="middle"><td>50 – 54 years</td><td>$228</td></tr><tr align="middle"><td>55 – 59 years</td><td>$260</td></tr></tbody></table>Dependants' Protection Scheme15701570
DecideHow can I pay my premium?<p>Premium can be paid using your CPF savings or cash.</p><p>If you are using your CPF savings for the premium, the premium will first be deducted from your Ordinary Account (OA). If you do not have sufficient savings in your OA, the premiums will be deducted from your Special Account (SA).</p><p>If you do not have sufficient savings in both accounts, you can pay using cash to your insurer. You can contact your <a href="/Members/FAQ/schemes/other-matters/dependants-protection-scheme#faq2187360">DPS insurer</a> if you wish to pay using cash.</p>Dependants' Protection Scheme15681568
DecideAfter paying the premium, how long will I be covered under DPS?The coverage will continue as long as you pay the yearly premium. Each yearly premium payment covers you for one policy year which is 12 months from the date of commencement/renewal of your DPS.Dependants' Protection Scheme15591559
DecideCan I terminate my DPS cover now and reapply to be covered at a later stage?<p>Yes, you can contact your <a href="/Members/FAQ/schemes/other-matters/dependants-protection-scheme#faq2187321">DPS insurer</a> on this.</p><p>If you wish to be covered under DPS again, you need to apply for it with your preferred insurer (i.e. <a href="" target="_blank">Great Eastern Life</a> or <a href="" target="_blank">NTUC Income</a>). Please note that your application will be re-assessed based on your health condition then.</p>Dependants' Protection Scheme15751575
ApplyHow do I apply to be insured under DPS?If you are eligible for DPS, you can contact your preferred insurer (i.e. <a href="" target="_blank">Great Eastern Life</a> or <a href="" target="_blank">NTUC Income</a>).Dependants' Protection Scheme15741574





















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