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Lifetime monthly CareShield Life cash payouts as long as you remain severely disabled
About
Overview of CareShield Life
Why you need CareShield Life

One in two Singapore Residents are expected to develop severe disability at some point in their lifetime, and may need long-term care due to:

  • A sudden disabling event (e.g. stroke) 
  • Worsening of chronic conditions and diseases (e.g. diabetes), or progression of age-related illnesses (e.g. dementia)
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How CareShield Life works

It’s important to plan early for our future long-term care needs, but it’s difficult as the costs of long-term care is uncertain. 

 

CareShield Life pools our risks together and ensures protection against potentially catastrophic long-term care costs, providing peace of mind.  

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Eligibility
Who’s covered under CareShield Life

All Singapore Citizens and Permanent Residents are eligible to join, but when you can join depends on the year you were born. 

Born in 1980 or after
Automatically covered once you turn 30

You’re automatically covered once you turn 30, or from 1 October 2020, whichever is later, regardless of any pre-existing medical conditions and/or disability. 

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If you were born in 1990 or later, we’ll write to you with more information about two months before your 30th birthday.

Born in 1979 or earlier
Optional participation

Your participation in CareShield Life is optional^. 

 

If you were born between 1970 and 1979, insured under ElderShield 400, and have not developed severe disability, you had been automatically enrolled into CareShield Life from 1 December 2021. No action is required if you wish to join CareShield Life.

 

If you were not automatically enrolled and wish to join CareShield Life, you may access the Application to join CareShield Life e-Service with your Singpass and enjoy a 60-day free-look period.

 

Apply for CareShield Life



^ Except foreigners who become Singapore Citizens or Permanent Residents from 1 October 2020 onwards, for whom participation is mandatory unless they have severe disability. 

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Benefits
Caring for you, for life

CareShield Life benefits provide you with protection and assurance for life should you develop severe disability.

Lifetime coverage

Continue to be covered for life once you’ve completed paying all your premiums at age 67 (or 10 years after you join, whichever is later).  

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Subsidies

You may be able to tap on Government subsidies, depending on your financial circumstances. You won’t lose coverage if you can’t pay.

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Fully payable with MediSave

You can use your MediSave to pay your CareShield Life premiums. Family members can help you by paying from their own MediSave, or topping up your account with cash.

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Worldwide coverage

You'll remain covered, be able to make a claim, and receive payouts no matter where you live in the world. 

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Payouts
How CareShield Life payouts work
Lifelong monthly payouts

CareShield Life provides monthly payouts for life if you develop a severe disability and need personal and prolonged medical care, especially during old age.

 

As CareShield Life payouts are in cash, you have greater flexibility to use them for your preferred care arrangement. 

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How payouts are calculated

Monthly CareShield Life payouts are higher if you develop a severe disability and make a claim at an older age.*

 

For example, if you were born in 1980,

  • A successful claim in 2022 (at age 42) provides you with $624 per month for life.
  • A successful claim in 2026 (at age 46) provides you with $689 per month for life.
/content/dam/web/member/healthcare/documents/Table of CSHL payout quantum 2020 to 2030.pdf true
Table of payout quantums, 2020 to 2030 (PDF, 68kb)

* Note: Payouts will increase annually until a policyholder turns 67 or whenever a successful claim is made, whichever is earlier. 

Claim eligibility

You can receive CareShield Life payouts once a Ministry of Health (MOH)-accredited assessor assesses that you're unable to carry out 3 of the 6 activities of daily living (ADL) listed below. Monthly payouts will continue as long as you’re unable to perform 3 or more ADL. 

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Washing

The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means. 

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Dressing

The ability to put on, take off, secure, and unfasten all garments and, as appropriate, any braces, artificial limbs, or other surgical or medical appliances.

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Feeding

The ability to feed oneself food after it has been prepared and made available.

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Toileting

The ability to use the toilet or manage bowel and bladder function through the use of protective undergarments, such as diapers or surgical appliances, if appropriate.

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Walking or moving around

The ability to move indoors from room to room on level surfaces.

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Transferring

The ability to move from a bed to an upright chair or wheelchair, and vice versa.

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Premiums
Pay during your working years and enjoy coverage for life

CareShield Life premiums are risk-pooled to cover your generation's current and future claims. The Government also offers subsidies and support to keep premiums affordable. No one will lose coverage due to inability to afford their premiums.

Learn more
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Means-tested Premium Subsidies

Up to 30% subsidies for those in lower and middle income households.

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2
Participation Incentives

Singapore Citizens, born in 1979 or before, who joined and were covered under CareShield Life by 31 December 2024, can receive up to $4,000 over 10 years to help reduce annual payments.

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Additional Premium Support (APS)

If you can't afford your CareShield Life premiums after premium subsidies and family support, you may be eligible for APS.  

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Calculate your premium and subsidies

Find out about your CareShield Life premiums and applicable subsidies. 

https://www.careshieldlife.gov.sg/content/careshieldlife/en/eservices/careshield-life/check-my-premium.html false
Check your premium
Claims
How to make a claim
CareShield Life claim flow
Undergo a disability assessment
How to arrange

Contact an MOH-accredited severe disability assessor to schedule an assessment.

https://supportgowhere.life.gov.sg/services/SDA/severe-disability-assessment-sda true
Go to SupportGoWhere
Are there any fees involved?

The disability assessment fee is $100 for a clinic assessment and $250 for a house call. The fee is waived for your first assessment for CareShield Life. For subsequent assessments, the assessor will collect the fee from you. If you are assessed to have developed severe disability, the full fee will be reimbursed with your first payout.

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Submit your application
How to submit

Log in with Singpass to Agency for Integrated Care's (AIC) eService portal (eFASS) to submit a claim. 

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Go to AIC eServices portal
Supplements
For extra coverage, consider a supplement

Supplements complement your ElderShield or CareShield Life coverage. They offer additional benefits like higher monthly payouts. 

Learn more
Resources
Need more information?
FAQs
Common questions
Articles
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