CareShield Life is targeted at severe disability, so that premiums can be kept affordable for all insured.
If you are a Singaporean with mild or moderate disabilities, and need long-term care, you can tap on means-tested Government subsidies for long-term care services, as well as other Government assistance schemes (e.g. the Seniors' Mobility and Enabling Fund) to complement your personal savings and family support.
Government-funded safety nets such as MediFund/ComCare can also help you pay for these long-term care costs, should you be unable to afford long-term care services.
If you wish to cover yourself for less severe disabilities, you can consider purchasing Supplements from the private insurers.
