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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 the Dependants’ Protection Scheme (DPS)?<p>DPS is a term-life insurance scheme which provides insured members and/or their families with some money to get through the first few years should the insured members meet an untimely death or suffer from terminal illness or total permanent disability.</p><p>DPS covers insured members for a maximum sum assured of $46,000 up to 60 years old.</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><p>From 1 April 2021, DPS will cover insured members for a maximum sum assured of $70,000 up to 65 years old. Great Eastern Life will take over the sole administration of DPS.</p> <br>Dependants' Protection Scheme15571557
UnderstandWho will be covered under DPS?<p>All Singaporeans and Permanent Residents between age 16 and 60 can be covered under DPS. From 1 April 2021, those up to age 65 would be eligible.</p><p>DPS coverage is automatically extended to Singapore Citizens or Permanent Residents upon their first CPF working contribution between age 21 and 60 years old (age 65 from 1 April 2021).</p><p>Members aged 16 and above who were not extended a DPS cover automatically but wish to be insured can apply to join DPS directly with the current DPS insurers, Great Eastern Life or NTUC Income. From 1 April 2021, members can apply for DPS directly with Great Eastern Life instead.<br></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 DPS compulsory?<p>Coverage under DPS is not compulsory. Insured members who wish to terminate their DPS cover can contact their existing insurer, Great Eastern Life or NTUC Income, to do so by completing the opt out form.</p><p>From 1 April 2021, insured members who wish to terminate their DPS cover can contact their new DPS insurer, Great Eastern Life.</p><p>Member should consider the benefits of DPS carefully before he/she terminates his/her DPS cover. Continuing with the DPS cover will provide some financial protection for the member and/or their families. If member decides to rejoin DPS in the future, he/she will need to submit a health declaration again and the cover will be provided subject to him/her being in good health then.</p><br>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.<br></p><p>From 1 April 2021, you can contact the new DPS insurer, Great Eastern Life instead.</p><br>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="">DPS ​​insurer</a> for more information.<br></p>Dependants' Protection Scheme15621562
EvaluateHow can I make a DPS nomination?<p>You can contact your <a href="">DPS insurer</a> for more information. From 1 April 2021, Great Eastern Life will take over the sole administration of DPS. Members insured under NTUC Income will be provided with nomination forms and will be required to make a new DPS nomination.</p><p>Members who are already insured under Great Eastern Life and had made a nomination previously need not submit a new nomination, unless they wish to nominate new beneficiaries. </p><p>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 CPF yearly Statement of Account.</p>Dependants' Protection Scheme15631563
DecideHow much do I need to pay to be covered under DPS?<p>The amount of premium you need to pay for a DPS cover depends on your age at your last birthday.</p><table cellspacing="0" width="100%" class="ms-rteTable-default" style="text-align:center;"><tbody><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" bgcolor="#d2d2d2" style="width:33.3333%;">​<strong>Age (Last Birthday)</strong></td><td class="ms-rteTableOddCol-default" bgcolor="#d2d2d2" style="width:33.3333%;"> <strong>​Yearly Premium for $46,000 sum assured (before 1 April 2021)</strong></td><td class="ms-rteTableEvenCol-default" bgcolor="#d2d2d2" style="width:33.3333%;"> <strong>​Yearly Premium for $70,000 sum assured (From 1 April 2021^)</strong><br></td></tr><tr class="ms-rteTableOddRow-default" style="text-align:center;"><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​34 years and below</td><td class="ms-rteTableOddCol-default" rowspan="1" style="width:33.3333%;">​$36</td><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​$18<br></td></tr><tr class="ms-rteTableEvenRow-default" style="text-align:center;"><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​35 – 39 years</td><td class="ms-rteTableOddCol-default" rowspan="1" style="width:33.3333%;">​$48</td><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​$30<br></td></tr><tr class="ms-rteTableOddRow-default" style="text-align:center;"><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​40 – 44 years</td><td class="ms-rteTableOddCol-default" rowspan="1" style="width:33.3333%;">​$84</td><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​$50<br></td></tr><tr class="ms-rteTableEvenRow-default" style="text-align:center;"><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​45 – 49 years<br></td><td class="ms-rteTableOddCol-default" rowspan="1" style="width:33.3333%;">$144​</td><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">$93​</td></tr><tr class="ms-rteTableOddRow-default" style="text-align:center;"><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​50 – 54 years</td><td class="ms-rteTableOddCol-default" rowspan="1" style="width:33.3333%;">​$228</td><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​$188<br></td></tr><tr class="ms-rteTableEvenRow-default" style="text-align:center;"><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​55 – 59 years</td><td class="ms-rteTableOddCol-default" rowspan="1" style="width:33.3333%;">$260<br></td><td class="ms-rteTableEvenCol-default" rowspan="1" style="width:33.3333%;">​$298<br></td></tr><tr class="ms-rteTableFooterRow-default" style="text-align:center;"><td class="ms-rteTableFooterEvenCol-default" rowspan="1" style="width:33.3333%;"> <span style="color:#444444;">​60 – 64 years</span></td><td class="ms-rteTableFooterOddCol-default" rowspan="1" style="width:33.3333%;"> <span style="color:#444444;">Not applicable​</span></td><td class="ms-rteTableFooterEvenCol-default" rowspan="1" style="width:33.3333%;"> <span style="color:#444444;">​$298 (for sum assured of $55,000)</span><br></td></tr></tbody></table> <br> <p><span style="font-size:0.9em;">^ New yearly premium would be deducted on member’s DPS policy anniversary</span></p>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 funds in your CPF account to pay for the DPS premiums, you can pay your insurer in cash. For more information, please contact your <a href="">DPS insurer</a>.</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="">DPS insurer</a> on this.</p><p>If you wish to be covered under DPS again before 1 April 2021, 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>). From 1 April 2021, you need to apply with Great Eastern Life instead. Please note that your application will be re-assessed based on your health condition at the point of application.</p>Dependants' Protection Scheme15751575
ApplyHow do I apply to be insured under Dependants’ Protection Scheme (DPS)?<p>If you are eligible for DPS and you wish to apply for a DPS cover before 1 April 2021, you may contact <a href="" target="_blank">Great Eastern Life</a> or <a href="" target="_blank">NTUC Income</a> directly.</p><p>From 1 April 2021, you may contact Great Eastern Life directly instead.</p><br>Dependants' Protection Scheme15741574





















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