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Do I have to join CareShield Life?

If you are a Singapore Citizen or Permanent Resident born in 1980 or later, you will automatically join CareShield Life on 1 October 2020 or when you turn 30, even if you have any pre-existing conditions or disabilities.

If you are a Singapore Citizen or Permanent Resident born between 1970 and 1979, you will be automatically enrolled in CareShield Life from 1 December 2021, if you are currently covered under the ElderShield 400 (ESH400) scheme and have not developed severe disability at the point of auto-enrolment. You can opt out of CareShield Life by 31 December 2023 if you do not wish to join the scheme and you will automatically be placed back onto your ESH400 scheme.

Those who are not auto-enrolled can choose to join CareShield Life. If you are an ElderShield insured in this group, you will have a 60-day free-look period from the commencement of your CareShield Life coverage, for you to consider your decision. If you choose to opt out, you will be given a full premium refund and automatically be placed back onto your original ElderShield 300/400 scheme.

You will not be able to opt out from the scheme after the applicable opt-out/free-look periods.

For more FAQs on CareShield Life, please visit the CareShield Life website.