CareShield Life will be universal and mandatory if you are a Singapore Citizen or Permanent Resident born in 1980 or later. This ensures that all Singaporeans, including those who are more vulnerable such as the lower-income group and those with pre-existing severe disabilities, have basic protection for long-term care needs.
A universal scheme allows those with pre-existing disabilities, who will otherwise not be able to enjoy coverage, to be included. If the scheme is optional, vulnerable groups like the low-income may also drop out of the scheme because they are unable to afford the premium payments.
Including these groups strengthens our social compact and is consistent with our values as an inclusive and caring society. Many Singaporeans who were engaged in earlier focus groups discussions recognised its merit and supported this approach.
Under CareShield Life, the Government will support Singaporeans who are unable to afford their premiums, so that no one will lose their coverage due to financial difficulties.
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).
