At a Glance

Start easy – Get the basics with an affordable plan. Enjoy coverage on big 5 critical illnesses (including early stage), life protection and serious accidents.


Kickstart your essential coverage by choosing the persona that suits you best.


Hassle-Free Sign Up – Apply online with 3 simple questions, no medical check up required.

ProtectFirst is applicable for all Singapore Citizens, Singapore Permanent Residents and those residing in Singapore between 18 to 45 years old.

From finding the coverage for your lifestyle needs or owning the freedom to invest in the things that matter to you, we’ve got you covered.

Say hello to ProtectFirst. It’s a faster, affordable, and convenient way to start with the basics. From the big 5 critical illnesses (including early stage) to life protection and serious accidents, pick a plan type that suits you most and set the coverage you need most. Find out more about the features and exclusions of this policy.

Apply now


Features & Benefits

  1. Choose the persona and price that suits you most
    Advocate: Good health is your goal and you’re focused on critical illness cover.
    Adventurer: Increased accident cover means you’re ready for any adventure.
    Defender: Family is your focus, with a bigger amount set aside for a death benefit.
  2. Affordable Premiums – Get the basics with an affordable plan that covers big 5 critical illnesses (including early stage)1, life protection and serious accidents
  3. Protection Coverage – Stay protected with coverage2 against early to advanced stage illness for 5 key critical illnesses1 (Cancer, Heart Attack, Stroke, Liver Failure and Major Organ/Bone Marrow Transplantation), life protection and serious accidents.
  4. Continuity of protection after a claim – Each type of coverage for ProtectFirst is an independent benefit. After receiving the maximum payout for one benefit, you will continue to enjoy coverage on the rest of the benefits (except for event of death).
  5. Hassle Free Application – Only 3 simple questions to answer. All through your digibank app.

Cover the Essentials with ProtectFirst


How it Works


Apply for ProtectFirst now

No wait, no hassle. Your details are pre-filled when you apply on digibank.

Apply Now

Need a little more advice? Talk to our Wealth Planning Managers.

POSB Inflation

Protect yourself so that you don’t have to worry about unforeseen circumstances, while you deal with inflation. Interested to find out about other ways to cope with inflation?

Learn more


Get more Benefits

Earn bonus interest on your DBS Multiplier Account with all Manulife protection or endowment plans distributed by DBS. Find out more.

  • No minimum regular or single premium amount
  • Pay with cash or SRS^
  • Earn bonus interest for 12 months consecutively

^Selected policies only


Frequently Asked Questions

Yes, ProtectFirst provides coverage against early stage CI. Upon diagnosis of any of the covered early stage CIs, 25% of the CI sum insured will be paid.

This benefit will only be paid once and upon such claim, the CI sum insured (and premium) will be reduced accordingly and subsequently payable upon advanced stage CI.

CI covered by ProtectFirst are Cancer, Heart Attack, Stroke, Liver Failure and Major Organ/Bone Marrow Transplantation.

ProtectFirst is a regular premium, non-participating plan which will protect you for 5 years, coverage can be renewed to cover you up to age 65.

Whenever a claim is made, premium will reduce.

This is because the respective benefits will either (1) cease or (2) reduce in the case of an early stage CI claim whereby remaining (reduced) sum insured is payable on advanced stage CI.

Each of the coverage for ProtectFirst are independent benefits. After receiving the maximum payout for one benefit, you can continue to enjoy coverage on the rest of the benefits.

Refer to the Frequently Asked Questions for more details.

You will receive 100% of the critical illness (CI) coverage amount in the event of advanced stage cancer, heart attack, stroke, liver failure or major organ transplant. 25% of the CI coverage amount can be paid in advance for early or intermediate stage, and remaining CI coverage amount to be payable upon advanced stage. Once 100% of the CI sum insured has been paid, this benefit will terminate, and premium reduces.
2Terms and conditions apply, please refer to product summary for more information.


The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, or communicated to any other person without prior written permission. This website does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product. This advertisement has not been reviewed by the Monetary Authority of Singapore. The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

In Collaboration with Manulife

ProtectFirst is issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS. It is not an obligation of, deposit in or guaranteed by DBS.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for the policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Manulife or visit the Life Insurance Association or SDIC websites ( or

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Information is correct as at 19 Apr 2022.

DBS Insurance Important Notes

Important Information

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