Personal Accident Plans

We Care

Get affordable protection with We Care from just S$0.65 per day.

We Care

We Care, underwritten by MSIG Insurance is an affordable personal accident protection plan that provides comprehensive coverage for DBS customers (including foreigners) who are aged between 18 years old and below 65 years old and residing in Singapore.

So you and your loved ones can have that peace of mind.


  • Up to 6 benefits and total coverage of more than S$200,000 for Premier Plan
  • Up to S$3,000 Medical Expenses benefit (including TCM Treatment) due to an accident
  • Income Protection of up to 6 months’ of your salary following accidental Total & Permanent Disablement and termination of employment
  • Automatic increase in benefit - coverage for Accidental Death / Total & Permanent Disablement increases by 10% each year for 5 consecutive years*

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

Product Details






Accidental Death (AD)


Total & Permanent Disablement (TPD)
Lump sum payment subject to the compensation scale for Total & Permanent Disablement

Up to
Up to

Income Protector
Pays for your loss of monthly salary / income if:

  • 100% of Total & Permanent Disablement Benefit is payable, and
  • permanent employment is terminated by an Insured Person's employer; or registered business is terminated

Up to
6 months' basic salary; maximum S$20,000 per Injury

Up to
6 months' basic salary; maximum S$30,000 per Injury


Medical Expenses due to Accident
(Outpatient / Inpatient)
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$3,000
per Injury

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

Special Daily Hospitalisation Benefit
Daily hospitalisation benefit as a result of the following illness certified by a Physician:

  • Influenza A (H1N1)
  • Dengue Fever
  • Food Poisoning
  • Avian Influenza (Bird Flu)

S$150 per day;
Up to
90 days per occurrence


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

10% increase in AD & TPD;
Up to
5 consecutive years

Note: Benefits (1) to (6) are payable over and above any other insurance coverage that you may already have, except for Benefit (4) which is payable only if you do not recover the expense from any other source.

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You can choose from 2 plan types with affordable premiums.


Classic Plan

Premier Plan

Annual Premium



The premium is inclusive of 7% GST.
^ Inclusive of 5% premium discount when annual payment is made

We Care - Accident Protection Plan FAQs

  1. Who can apply for this Policy?

  2. This Policy is designed exclusively for DBS customers (including foreigners) who are aged between 18 years and below 65 years old and residing in Singapore.

    The cover will terminate when an Insured Person lives or intends to live in another country for more than 6 consecutive months.

  3. Does this Policy cover me for illnesses?

  4. No, this is a Personal Accident policy that covers you for injury caused by an Accident except the Special Daily Hospitalisation Benefit that pays for hospitalisation due to Influenza A (H1N1), Dengue Fever, Food Poisoning or Avian Influenza (Bird Flu).

    “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.

  5. Are there occupations that are not covered by this Policy?

  6. Yes, there are certain occupations that this Policy does not cover such as 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 working on board aircraft; construction workers, or demolition workers, or quarry workers; workers engaged in maintenance, cleaning, roofing or repair activities involving scaffolding or gondolas or climbing necessitating the use of guides or ropes; in any occupation dealing with explosives, poisonous or hazardous gases or substances.

    However, We Care covers Insured Persons holding such occupations when they are off-duty at the time of the Injury and the Injury does not arise in the course of the employment or any activity related to the Insured Person’s employment.

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

    These are stated in the General Exceptions in the Policy. Below are some key exceptions:

    • Pre-existing conditions
    • Air travel except as a passenger in a fully licensed passenger carrying aircraft
    • Injury caused by the Insured Person whilst under the influence of alcohol or any drugs
    • Hazardous sports 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; ionising radiations or radioactive contamination
  8. You are advised to read the Policy for a full list and details of the exceptions.

  9. If there is a claim on Accidental Death or Total & Permanent Disablement, will the 10% increase in benefit apply upon renewal of the Policy in the next year?

  10. No, the 10% 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 10% increase in benefit will not be applicable upon renewal of the Policy.

  11. Will the premium increase with age?

  12. The premium is not age-related and does not increase as you get older. However, MSIG Insurance can vary the premium and any other term, condition or exception in the Policy by giving you 30 days’ notice of such change.

  13. Must I inform MSIG to renew the Policy every year?

  14. No, as long as you pay the premium and observe the terms and conditions of your Policy, it will be renewed automatically each year.

  15. 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
    • The Insured Person attaining his/her 70th birthday
    • The Insured Person resides or intends to reside out of Singapore for more than 6 consecutive months;
    • whichever first occurs.

  16. Can the Policy be cancelled?

  17. Either you or MSIG 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.

  18. How do I make a claim?

  19. Please notify MSIG 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 all information, evidence or supporting documents e.g. receipts, medical certificates or reports at your own expense, which MSIG may require to assess your claim.

  20. What if I have more questions about this insurance?

  21. Please contact MSIG Insurance Customer Centre at 6827 7607 (Mon – Fri, 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


We 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 We Care (except “Special Daily Hospitalisation Benefit”) 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.