Dependants' Protection Scheme
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.  Understand
DPS is an opt-out term insurance scheme which is automatically extended to eligible CPF members.
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.
Currently, DPS is administered by two insurers, Great Eastern Life and NTUC Income.
You will be automatically included under DPS if you
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.
As an insured member, you enjoy
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Yes, the eligibility for a DPS cover is subject to you being in good health.
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.
The DPS insurers will consider your eligibility after assessing your medical condition. You can refer to your health declaration form or refer to Great Eastern Life and NTUC Income for more information.
A DPS claim can be made when the insured member
(a) you committed self-inflicted injury or suicide; (b) you committed a criminal offence punishable by death; or (c) claim arose out of your own intentional criminal act.
DPS benefits are also not payable if:
(d) you suffer from serious illness, Terminal Illness or Total Permanent Disability before the commencement of the cover; (e) you have provided false or misleading information; or (f) your claim arose from wars or any warlike operations or participation in any riot.
You can contact your DPS insurer for more information.
You can contact your DPS insurer for more information. Please note that your CPF nomination does not apply to the distribution of DPS claim benefit.
Decide
You can check the status of your coverage and your insurer by:
It depends on your age at your last birthday. The yearly premium for a maximum sum assured of $46,000 is as follows:
Premium can be paid using your CPF savings or cash.
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).
If you do not have sufficient savings in both accounts, you can pay using cash to your insurer. You can contact your DPS insurer if you wish to pay using cash.
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.
Yes, you can contact your DPS insurer on this.
If you wish to be covered under DPS again, you need to apply for it with your preferred insurer (i.e. Great Eastern Life or NTUC Income). Please note that your application will be assessed based on your health condition then.
Apply
If you are eligible for DPS, you can contact your preferred insurer (i.e. Great Eastern Life or NTUC Income).
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