Singapore Citizens and Permanent Residents born between 1970 and 1979, who were covered under the ElderShield 400 scheme and did not develop severe disability, were auto-enrolled to CareShield Life from 1 December 2021. You will not be able to opt out of CareShield Life as the deadline to opt out was 31 December 2023.
Those who are not auto-enrolled can choose to join CareShield Life. If you are in this group, you will have a 60-day free-look period from the commencement of your CareShield Life coverage, for you to review your decision.
The Government will provide means-tested premium subsidies and Additional Premium Support to those who join CareShield Life, to ensure that no one who joins the scheme loses coverage due to financial difficulties. For this reason, after the applicable free-look periods, you will not be able to opt out from the scheme.
CareShield Life is also mandatory for foreigners who become Singapore Citizens or Permanent Residents from 1 October 2020 onwards and are born in 1979 or earlier, provided they do not have severe disability (if granted residency status from 1 October 2020 to 31 December 2025) or any disability (if granted residency status from 1 January 2026 onwards).
