Personal Accident Plans

Active Care

Active Care provides up to S$75,000 personal accident protection for customers aged 40 years old and below 71 years old.

Active Care

Active Care is an affordable personal accident insurance plan, underwritten by MSIG Insurance that provides up to 7 benefits with a total coverage of more than S$75,000 for Superior Plan.


  • Medical Expenses benefit (including TCM Treatment) up to S$2,250 due to Accident
  • Fractures, Dislocations and Burns benefit up to S$15,000
  • Automatic increase in benefit - coverage for Accidental Death / Total and Permanent Disablement increases by 5% each year for 5 consecutive years*
  • Premiums from S$0.60 a day for Classic Plan
  • Premiums do not increase with age

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* Automatic increase in coverage is given provided there are no claims and policy remains in force for up to 5 consecutive years 

Product Details




  1. Accidental Death (AD)



  1. Total and Permanent Disablement (TPD)
    Lump sum benefit subject to the scale of Total & Permanent Disablement as specified in the Policy.

Up to

Up to

  1. Long Term Care
    Lump sum benefit following the inability of the Insured Person to perform at least 3 of the Activities of Daily Living (Washing and Bathing; Dressing; Feeding; Toileting/Continence; Mobility; Transferring), subject to 90-day Deferment Period.



  1. Fractures, Dislocations & Burns
    Lump sum benefit subject to scale of fractures, dislocations and burns as specified in the Policy.

Up to

Up to

  1. Daily Hospitalisation Benefit

    Daily benefit for each day an Insured Person is Hospitalised as a direct result of any Injury certified by a Physician.

S$100 per day;
Up to
180 days per Injury

S$150 per day;
Up to
180 days per Injury

  1. Medical Expenses due to Accident
    Reimbursement of medical expenses and treatment charges by a Physician (including treatment by registered TCM practitioner in Singapore)

Maximum S$1,500
per Injury

TCM: Up to S$50
per visit;
maximum S$500
per Injury

Maximum S$2,250
per Injury

TCM: Up to S$50
per visit;
maximum S$500
per Injury

  1. Automatic Increase in Benefit

    An increase in the original sum insured for AD and TPD upon renewal of the Policy

5% increase in AD & TPD;
up to 5 consecutive years

All the benefits listed (1) to (7) are payable over and above any other insurance coverage that you may already have, except for benefit (6) which is payable only if you do not recover the expense from any other source.

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You may choose to be covered under the Classic or Superior Plan.

This plan is open to all DBS customers residing in Singapore from age 40 to below 71 years old. You can apply for the Policy for yourself, or enroll together with your spouse.

PremiumMyself or My SpouseMy Spouse and I


PremiumMyself or My SpouseMy Spouse and I

The premium is inclusive of 7% GST.
^ Inclusive of 10% premium discount when you enroll with your spouse in the same policy
+ Inclusive of additional 5% premium discount when annual payment is made

Active Care – Accident Protection Plan FAQs

  1. Who can apply for this Policy?
  2. This Policy is designed exclusively for DBS customers who are aged 40 years and below 71 years old and residing in Singapore. You can apply for the Policy for yourself, or enroll together with your spouse.

  3. Can foreigners purchase this Policy?
  4. Yes, foreigners who are residing in Singapore may apply. However, the cover will terminate when you live or intend to live in another country for more than 6 consecutive months.

  5. Does this Policy cover me for illnesses?
  6. No, this is a Personal Accident policy that pays in the event of an Accident.
    "Accident" means an event which happens suddenly, solely and directly caused by violent and external means and gives rise to a result which the Insured Person did not intend or anticipate.

  7. Is there any occupation not covered by this Policy?
  8. Yes, there are certain occupations that the Policy does not cover: military personnel, law enforcement officer, fire fighter, civil defence officer, security guard/officer; professional sports person; off-shore occupations such as ship crew, diver, oil-rigger and fisherman; shipyard worker; air crew or aircraft technician; construction/demolition/quarry workers; cleaning and maintenance staff, workers dealing with roofing or repair activities involving scaffolding or gondolas or climbing necessitating the use of guides or ropes; dealing with explosives, poisonous or hazardous gases or substances.

    However, persons with these occupations can still apply and will be covered when they are off-duty at the same time of the Injury and the Injury does not arise in the course of employment or any activity related to the Insured Person’s employment.

    You are advised to read the Policy for a full list and details of the exceptions.

  9. Are there any other situations where benefits will not be payable?

    Yes, they are stated as General Exceptions in the Policy. The following is a list of some exceptions:

    • Pre-existing Conditions, as defined in the Policy
    • Air travel except as a passenger in a fully licensed passenger carrying aircraft
    • Injury caused by Insured Person under the influence of alcohol or any drugs
    • Hazardous sport or activity including parachuting, racing (other than on foot or swimming), mountaineering or scuba diving
    • Suicide, self-injury or wilful exposure to peril
    • Pregnancy or childbirth
    • War, acts of terrorism, ionizing radiations or radioactive contamination
  10. You are advised to read the Policy for a full list and details of the exceptions.

  11. If there is a claim on Accidental Death or Total & Permanent Disablement, will the 5% increase in benefit apply upon renewal of the Policy in the next year?
  12. No, the 5% increase in benefit is applicable upon renewal of the Policy only when there is no Accidental Death or Total & Permanent Disablement claim in the previous policy year. In this instance, the 5% increase in benefit will not be applicable upon renewal of the Policy.

  13. Will the premium increase as I grow older?
  14. The premium is not age-related and does not increase as you grow older. However, MSIG Insurance can vary the premium and all other terms, conditions or exceptions in the Policy by giving you 30 days’ notice of such change.

  15. Must I inform MSIG Insurance to renew the Policy every year?
  16. No, as long as you pay the premium and observe the terms and conditions of your Policy, it will be renewed automatically each year.

  17. Can the Policy be cancelled?
  18. Yes, either you or MSIG Insurance can cancel the Policy by giving the other party 30 days’ notice in writing. If you cancel the policy, you will receive a pro-rated refund of premium paid from the date of cancellation provided no claim has arisen and the amount refundable is more than S$10.

  19. Under what circumstances will the Policy terminate?

    The Policy will terminate upon:

    • Non-payment of premium by the due date
    • Cancellation of the Policy either by you or MSIG Insurance
    • The Insured Person attaining his/ her 80th birthday
    • The Insured Person resides or intends to reside out of Singapore for more than 6 consecutive months;
    • whichever first occurs.

  20. Does this Policy have any cash or surrender value?
  21. No, this Policy has no cash or surrender value.

  22. How do I make a claim?
  23. Please notify MSIG Insurance in writing of any event giving rise or likely to give rise to a claim under the Policy as soon as possible but in any case within 30 days of the happening of such event. You will need to complete a claim form and provide at your expense information, evidence or supporting documents e.g. receipts, medical certificates or reports which MSIG Insurance may require to assess your claim.

  24. What if I have more questions about this insurance?
  25. Please contact MSIG Insurance Customer Centre at 6827 7607 (Mondays – Fridays, 8.45am – 5.30pm) or email your questions to

Please refer to the policy wordings for the full details of the terms, conditions and exclusions of this insurance.

Terms and Conditions Governing Purchase of Insurance Products from MSIG Insurance via the DBS website


Active Care is underwritten by MSIG Insurance (Singapore) Pte. Ltd. ("MSIG Insurance") and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS. 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 Insurance. All the benefits of Active Care are payable upon the occurrence of an Accident during the policy period. You should consider carefully if you are intending to switch accident & health policies, as this might be detrimental to your current and/or future needs. You may wish to seek advice from a financial adviser before making a commitment to purchase this policy. In the event that you choose not to seek advice, you should carefully consider whether the policy is suitable for you.

You have a free look period of 14 business days after the date you receive the Policy. If you decide to cancel the Policy within these 14 days, please inform MSIG Insurance in writing and they will cancel the Policy from its start date and refund in full premium paid provided no claim has arisen.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). For more information on the scheme, please visit the General Insurance Association or SDIC websites.