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  • 1. What is CareShield Life?

    CareShield Life is a long-term care insurance which provides financial protection against long-term care costs of Singaporeans in the event of severe disability. CareShield Life will provide you with better protection and assurance for basic long-term care needs with:

    1. Lifetime cash payouts, for as long as the insured remain severely disabled;

    2. Increasing payouts, starting at $600/month in 2020 and increases annually until age 67 or when a successful claim is made, which is earlier; 

    3. Government subsidies to make it affordable, with no one losing coverage if they cannot pay premiums;

    4. Premiums can be fully paid by MediSave.

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

    2. Is CareShield Life mandatory?

    CareShield Life will be universal and mandatory for you if you are a Singapore Citizen or Permanent Resident born in 1980 or later. This will ensure 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 of an inability to pay. Some low-income insureds do have their ElderShield policies lapse as the years pass as they are not able to make their 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.

    3. Why is there a need to start CareShield Life earlier at age 30?

    Starting CareShield Life at age 30 allows a longer period for premiums payment to be spread over. A longer duration of premium payment allows insureds to spread premium payment over more years, so as to reduce annual premiums payable. Consequently, insureds will benefit from additional years of coverage starting from age 30.

    By the age of 30, most Singaporeans would have started working and many would have worked for a few years. It is also a good time to start planning for their long-term care needs. They would have started contributing to their MediSave, and should be able to cover their CareShield Life premiums without out-of-pocket expenses.

    4. I am born in 1980 or later. What do I need to do to be covered by CareShield Life?

    You do not need to take any action now as your CareShield Life policy will automatically commence on 1 Oct 2020 or when you turn 30, whichever is later. The Government will notify you of the exact policy commencement date.

    5. I am going to be 29 years old when CareShield Life is launched. If I have severe disability, will I be able to join the scheme earlier?

    Under CareShield Life, premiums paid by insureds are designed to be risk-pooled within their own generation, and used to cover their claims when they become severely disabled.

    As there is no risk pool for your cohort when the scheme is launched, your cohort will be covered under CareShield Life when you turn 30 years old, even if you are severely disabled.

    You may refer to Government support schemes specifically for younger, disabled Singaporeans and their caregivers (age 65 and below) on the SG Enable's website or speak to SG Enable at 1800-8585-885.

    6. Why are Singaporeans not covered by CareShield Life from birth?

    The priority of CareShield Life is to provide protection against severe disability during old age, when Singaporeans are most likely to need long-term care.

    The starting age has been lowered from 40 to 30 to allow a longer period for premiums to be paid, compared to the current ElderShield scheme in which insureds typically pay premiums from age 40 until age 65. A longer duration of premium payment allows insureds to spread premium payment over more years, so as to reduce annual premiums payable.

    There are various support schemes for families who need support for their severely disabled loved ones who are younger than the starting age (of 30) for CareShield Life, e.g. subsidies for early intervention programmes under the Ministry of Social and Family Development (MSF), and subsidies for therapy services at KK Hospital and the National University Hospital.

    Government-funded safety nets such as MediFund or ComCare can provide further assistance to Singaporeans who are unable to pay for their care even after Government subsidies and other means of support.

    7. I am born in 1980 or later, and am terminally ill but not severely disabled. Can I be exempted from CareShield Life?

    As CareShield Life is universal for Singapore Citizens and Permanent Residents born in 1980 or later, there are no exemptions. As long as you are covered under CareShield Life, you can still receive payouts in the event of severe disability.

    The Government will support Singaporeans who are unable to afford their premiums, so that no one will lose their coverage due to financial difficulties.

    8. I am born in 1980 or later, and I have pre-existing severe disabilities or medical conditions. Do I need to pay additional CareShield Life premiums?

    All Singaporean Citizens and Permanent Residents born in 1980 or later, including those with pre-existing severe disabilities, will be able to enjoy benefits under CareShield Life, regardless of your ability to pay premiums. As such, you will not have to pay additional CareShield Life premiums.

    As part of collective responsibility, those with pre-existing severe disabilities should contribute one premium to join the scheme. The payment amount is less than the first monthly CareShield Life payout you will receive. Upon joining the scheme, you will continue to receive monthly payouts for as long as you remain severely disabled.

    The Government will provide means-tested premium subsidies, and Additional Premium Support to help those who are still unable to afford premiums even after subsidies. Claims will be paid out as long as insureds meet the claims criteria.

    9. I am born in 1980 or later. Why should I pay for the inclusion of those with pre-existing disabilities into CareShield Life?

    Including those with pre-existing severe disabilities will strengthen collective responsibility and is fundamental to the inclusive and caring society Singaporeans seek to build. Less than 0.1% of Singaporeans aged 30 to 40 are estimated to have pre-existing severe disability. Hence, the cost of covering those with pre-existing severe disability amongst those born in 1980 or later does not have a significant impact on premiums.

    10. I am born in 1980 or later and I have pre-existing severe disabilities. Will I need to pay premiums for CareShield Life?

    If you are born in 1980 or later, you will be able to enjoy protection under CareShield Life, regardless of your ability to pay premiums, even if you have pre-existing disabilities. 

    As part of collective responsibility, those with pre-existing disabilities should contribute one premium payment to join the scheme. The payment amount is less than the first monthly CareShield Life payout you will receive. Upon joining the scheme, you will continue to receive monthly payouts for as long as you remain severely disabled.

    The Government will provide means-tested premium subsidies, and Additional Premium Support to help those who are still unable to afford premiums even after subsidies. Claims will be paid out as long as insureds meet the claims criteria.

    11. If I reside overseas, can I suspend my premium payment for CareShield Life?

    CareShield Life will provide cash payouts in the event of severe disability. Today, overseas Singaporeans are able to file ElderShield claims from abroad and receive payouts to support their care costs wherever they may be. This applies even for those who have permanently relocated abroad. This will continue to apply for CareShield Life. Hence, premium payments for overseas Singaporeans cannot be suspended.

    12. If I have already bought private insurance plans for disability, will there be duplicative coverage when I join CareShield Life?

    There are different private insurance plans on the market. Most cover total and permanent disability or are meant to insure against loss of income when an individual becomes disabled and is unable to work. As such, private insurance plans typically cease coverage between ages 60 to 70 when most insureds retire. CareShield Life, however, provides lifetime coverage and ensures that an individual will receive coverage even if the individual becomes severely disabled in their later years.

    In addition, unlike private insurance products which cease coverage if insureds are unable to pay the premiums, under CareShield Life, coverage will not cease if an individual is unable to pay premiums due to financial difficulties. The Government will provide premium subsidies and additional premium support.

    13. I am born in 1980 or later and am currently severely disabled. Can I still benefit from CareShield Life?

    CareShield Life will cover all Singapore Citizens and Permanent Residents born in 1980 or later, including those who have pre-existing medical conditions or severe disability. You will be able to benefit from CareShield Life after you are enrolled into CareShield Life on 1 Oct 2020 or when you turn 30 years old, whichever is later.

    14. When can I join CareShield Life?

    If you are born in 1980 and after, you will be automatically covered by CareShield Life on 1 October 2020 or when you turn 30.
     
    If you are born in 1979 or earlier (aged above 42 in 2021) you will have the option to join CareShield Life from end-2021 onwards, if they are not severely disabled. More information on the application process will be made available nearer the date. 
     

    15. What is the difference between CareShield Life, ElderShield, MediShield Life, CPF LIFE, ElderFund, Community Health Assist Scheme (CHAS), Home Caregiving Grant (HCG) , Pioneer Generation Disability Assistance Scheme (PioneerDAS) and Interim Disability Assistance Programme for the Elderly (IDAPE)?

    CareShield Life, ElderShield, MediShield Life, CPF LIFE, CHAS, HCG, PioneerDAS,  ElderFund and IDAPE are schemes that help Singaporeans with different types of healthcare and retirement expenses.

    • CareShield Life and ElderShield are long-term care insurance schemes. They insure Singaporeans against the risks of requiring long-term care due to severe disability by providing monthly cash payouts for as long as the insured remains severely disabled. CareShield Life offers better protection and assurance as compared to ElderShield.

    • MediShield Life is a universal healthcare insurance scheme. It insures Singaporeans from birth, against the risk of medical conditions that result in large hospital bills and selected costly outpatient treatments.

    • CPF LIFE is a longevity insurance scheme, which insures Singaporeans against the risk of outliving their retirement savings, by providing a monthly payout from their payout eligibility age, for as long as they live.

    • Community Health Assist Scheme (CHAS) enables all Singapore Citizens, including Pioneer Generation (PG) and Merdeka Generation (MG) cardholders, to receive subsidies for medical and/or dental care at participating General Practitioner (GP) and dental clinics. CHAS was implemented to allow CHAS cardholders to enjoy more subsidies at Specialist Outpatient Clinics (SOCs) in public hospitals when referred by CHAS-partnered clinics or polyclinics.

    • Home Caregiving Grant (HCG) is a monthly cash grant of $200 to support families caring for their loved ones with permanent moderate disability who reside in the community, and who require some assistance in at least three Activities of Daily Living. The HCG grant can be used to defray the costs of caregiving expenses, such as the cost of eldercare and caregiver support services in the community or hiring of a foreign domestic worker.

    • Pioneer Generation Disability Assistance Scheme (PioneerDAS) offers life-long monthly cash assistance of $100 to Pioneers with permanent moderate disability who require some assistance in at least three Activities of Daily Living. Applicants must first be verified as a Pioneer to be eligible.  

    • IDAPE is a government assistance scheme providing financial help to needy and disabled elderly Singaporeans who were not eligible to join ElderShield when it was launched in 2002 because they had exceeded the maximum entry age or had pre-existing disabilities.

    • ElderFund is a discretionary government assistance scheme providing financial help to severely disabled lower-income Singaporeans aged 30 and above who are not able to join CareShield Life, or have low MediSave balanaces and inadequate personal savings to meet their long-term care needs.

    16. How can I find out if I am covered under CareShield Life?

    You can log in to My Policy using your SingPass to find out if you are covered under CareShield Life.

    17. What happens to an insured’s CareShield Life policy when he/she passes away?

    An insured’s CareShield Life policy will be terminated when he/she passes away. Full premiums will only be refunded to the premium payer’s MediSave Account if the insured passes away within 60 days of coverage.

    18. Who should I contact if I have enquiries relating to CareShield Life?

    For CareShield Life matters, you may contact us at Write To Us or 1800 222 3399 /+65 6222 3399 (overseas) from Monday to Friday, 8.00 am to 5.30 pm

    19. I am born in 1980 or later, when will I be notified of my CareShield Life cover?

    If you are born in 1980 or later, you will be automatically covered under CareShield Life on 1 October 2020, or when you turn 30, whichever is later.

    If you are born between 1980 and 1990 (i.e. aged 30 to 40 in 2020), you will receive a CareShield Life welcome package informing you of your CareShield Life cover, by 2 September 2020 or up to two months before your 30th birthday, whichever is later. If you are born after 1990 (i.e. aged below 30 in 2020), you will receive a CareShield Life welcome package before you reach age 30.

    20. Can I opt-out from CareShield Life?

    Please select the age group you belong to. 

    You selected: I am a Singapore Citizen or Permanent Resident born in 1980 or later

    If you are a Singapore Citizen or Permanent Resident born in 1980 or later, CareShield Life will be universal and mandatory for you. You will not be able to opt out. 

    CareShield Life is a long-term care insurance which provides financial protection against long-term care costs of Singaporeans in the event of severe disability. CareShield Life will provide you with better protection and assurance for basic long-term care needs with:

    1. 1. Lifetime cash payouts, for as long as the insured remain severely disabled;  
    2. 2. Increasing payouts, starting at $600/month in 2020 and increases annually until age 67 or when a successful claim is made, which is earlier; 
    3. 3. Government subsidies to make it affordable, with no one losing coverage if they cannot pay premiums;
    4. 4. Premiums can be fully paid by MediSave.

    You selected: I am a Singapore Citizen or Permanent Resident born in 1979 or earlier

    If you are a Singapore Citizen or Permanent Resident born between 1970 and 1979, you will be automatically enrolled in CareShield Life from end-2021, if you are currently covered under the ElderShield 400 (ESH400) scheme and are not severely disabled at the point of auto-enrolment. You can opt out of CareShield Life by 31 Dec 2023 if you do not wish to join the scheme. You will automatically be placed back onto your ESH400 scheme.
     
    Those who are not auto-enrolled can choose to join CareShield Life from end-2021. 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 withdraw, 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 withdraw from the scheme after the applicable opt-out/free-look periods.

     

     

     

     

     

    21. What happens to an insured’s CareShield Life policy when he/she is no longer a Singapore Citizen/Permanent Resident?

    An insured’s CareShield Life policy will be automatically terminated when he/she is no longer a Singapore Citizen (SC) or Singapore Permanent Resident (PR).  Full premiums will only be refunded to the premium payer’s MediSave Account if the insured ceases to be a SC/PR within 60 days of coverage.

    22. I do not have a CPF account. Can I still join CareShield Life?

    If you do not have a CPF account, you will still be invited to join the scheme. You can make your first premium payment via the following methods:

    1. Opening a CPF account by making a contribution to your MediSave Account 
    2. A family member* can apply to take over as your premium payer using his/her MediSave savings. To do so, he/she may visit careshieldlife.gov.sg/change-payer and log in using his/her own SingPass to complete the “Change Premium Payer” transaction. Please take note that the “Change of Payer” e-Service is currently under development, and will be rolled out by end-2020

    *Family member refers to the Insured's spouse, parents, children, siblings or grandchildren.

  • 1. I am an existing ElderShield/ElderShield Supplement insured. Do I have to join CareShield Life?

    If you are an existing ElderShield/ElderShield Supplement insured, your participation in CareShield Life is optional. The introduction of CareShield Life will not affect your coverage under ElderShield or ElderShield Supplements. You will continue to pay the same premiums and enjoy the same benefits for as long as you are covered.

    If you are not severely disabled and wish to join CareShield Life, you can do so from end-2021 onwards. To make joining CareShield Life more convenient, you will be auto-enrolled in CareShield Life in end-2021 if you are born between 1970 and 1979, are currently covered under ElderShield 400, and are not severely disabled. If you are auto-enrolled, you can choose to withdraw from CareShield Life by 31 Dec 2023 with full premiums refunded.

    If you do not belong to the auto-enrolled cohort, you may apply to join the scheme from  end-2021. More details on the application process will be made available nearer to end-2021.

    You can view your estimated CareShield Life premiums via the CareShield Life premium calculator.

    2. If I am born in 1979 or earlier and am severely disabled, can I join CareShield Life?

    If you are a Singapore Citizen or Permanent Resident born in 1979 or earlier, you may choose to join CareShield Life from end-2021 onwards if you are not severely disabled. You will undergo an underwriting process before enrolment, and you will be informed if you are required to undergo a disability assessment. More details on the process to join the scheme will be released closer to end-2021.

    If you are severely disabled, you will not be eligible to join CareShield Life. If you are currently on ElderShield, you can make claims under ElderShield. You may also tap on means-tested Government subsidies and various Government assistance schemes to complement your personal savings and family support to meet your long-term care needs. You can also tap on ElderFund, and your own and/or your spouse’s MediSave savings under MediSave Care (also known as MediSave Withdrawals for Long-Term Care).

    Other Government-funded safety nets such as MediFund, ComCare will provide assistance to Singaporeans who are unable to pay for their care even after Government subsidies and other means of support.

    You may wish to approach the Medical Social Workers at the health institution you are seeking medical treatment from, or approach your nearest Social Service Office (SSO).

    3. I am an existing ElderShield insured. If I am eligible for ElderShield claims, should I claim from ElderShield or join CareShield Life in end-2021?

    If you are severely disabled (i.e. unable to perform three or more activities of daily living) and are an ElderShield insured, you should apply to claim under ElderShield so that you can receive your claim payouts in a timely manner.

    You will not be eligible for CareShield Life if you are severely disabled.

    4. I am born in 1979 or earlier. Will I have to pay extra premiums if I join CareShield Life with pre-existing medical conditions?

    If you are born in 1979 or earlier and have pre-existing medical conditions, you can choose to join CareShield Life in end-2021, if you are not severely disabled then. You will not need to pay additional premiums for pre-existing medical conditions.

    You can view your estimated CareShield Life premiums via the CareShield Life premium calculator.

    5. Why is universal coverage not extended to those born in 1979 or earlier?

    Universal coverage is not extended to those born in 1979 or earlier as this is a diverse group - some may have previously opted out of ElderShield, or decided not to upgrade to ElderShield. Others could have bought Supplements or insurance plans. Those born in 1979 or earlier would also likely face higher entry premiums as they have fewer years to spread their premium payment over. The prevalence of those who are already severely disabled in the older cohorts is also much higher, which would make it harder to cover everyone while still keeping premiums affordable. Hence, universal coverage was not extended to those born in 1979 or earlier.

    Those who are born in 1979 or earlier and who are already severely disabled will not be able to join CareShield Life. The Government will help them through other ways e.g. Government subsidies and other Government schemes such as the Seniors’ Mobility and Enabling Fund. They can also tap on ElderFund and their MediSave savings.

    Government-funded safety nets such as MediFund, ComCare can also provide further assistance to Singaporeans who are unable to pay for their care even after Government subsidies and other means of support.

    6. Should I opt into/out of ElderShield before CareShield Life starts?

    There is no need to opt out of ElderShield before CareShield Life starts. Remaining on ElderShield will ensure that you continue to have basic protection for long-term care should severe disability occur before CareShield Life is launched. ElderShield premiums that you have paid for will be taken into account when computing your CareShield Life premiums. CareShield Life will be optional for Singapore Citizens and Permanent Residents born in 1979 or earlier, regardless of ElderShield status.

    If you are under the age of 65 and had opted out of ElderShield, you can choose to opt back into ElderShield between now and the scheduled launch of CareShield Life for those born in 1979 or earlier in end-2021, to receive basic protection for long-term care in the interim period. You will need to approach one of the three private insurers (Aviva, Great Eastern, or NTUC Income) that administer ElderShield, and you will be required to go for a medical assessment.

    The contact details of the three ElderShield insurers are:

    Aviva Limited
    Address: 4 Shenton Way, #01-01, SGX Centre 2, Singapore 068807
    Website: aviva.com.sg
    Email: cs_life@aviva-asia.com
    Hotline: 6827 7788

    NTUC Income Insurance Co-operative Limited
    Address: 75 Bras Basah Road, NTUC Income Centre, Singapore 189557
    Website: income.com.sg
    Hotline: 6332 1133

    The Great Eastern Life Assurance Company Limited
    Address: 1 Pickering Street #13-01, Great Eastern Centre, Singapore 048659
    Website: greateasternlife.com
    Email: wecare-sg@greateasternlife.com
    Hotline: 1800-248-2888

    7. I am born in 1979 or earlier. Will ElderShield 300/400 insureds receive subsidies or an incentive as well since there were no incentives in 2002/2007 when ElderShield 300 and 400 were introduced respectively?

    CareShield Life premium subsidies and incentives will be extended to Singaporeans (including those on ElderShield 300/400 today) if they join CareShield Life, as these are intended to support the increased benefits under CareShield Life and ensure that CareShield Life premiums remain affordable. There will be no additional subsidies or incentives for ElderShield 300/400.

    8. I have opted out from ElderShield. Can I join CareShield Life?

    If you are born in 1979 or earlier, you will be able to join CareShield Life from end-2021, as long as you are not severely disabled. This means that those who have pre-existing medical conditions can also join CareShield Life. There is no maximum age for joining.

    For those who choose to join CareShield Life in the first two years (2021-2023), the government will provide participation incentives of $500 to $2,500 to help offset CareShield Life premiums. Merdeka Generation and Pioneer Generation seniors will also qualify for additional participation incentives of $1,500, which will also be used to offset their annual premiums over a period of 10 years.

    You can now view your estimated CareShield Life premiums via the CareShield Life premium calculator.

    Details of the application process will be provided at a later date. Some applicants may need to undergo a disability assessment. You will be informed if a disability assessment is required.

    9. I am born in 1979 or earlier. If I paid ESH300/400 premiums previously but my policy lapsed due to non-payment of premiums, how will my CareShield Life premiums be affected?

    As your ElderShield 300/400 policies have lapsed, you are no longer covered under ElderShield 300/400. Your premiums for CareShield Life will be based on the premiums for an uninsured individual.

    Those who need assistance with their premium payment after subsidies and incentives will receive Additional Premium Support, and no one who joins CareShield Life will lose coverage due to financial difficulties.

    10. I am born in 1979 or earlier. If I choose to remain on ElderShield 300/400, will my premiums change after CareShield Life is implemented?

    If you are an existing ElderShield 300/400 insured, your plan will continue as it is.

    If you join CareShield Life, CareShield Life premium subsidies and incentives will be extended to you, as these are intended to support the increased benefits under CareShield Life and ensure that CareShield Life premiums remain affordable.

    11. I am born in 1979 or earlier. If I am currently severely disabled but subsequently recover, can I join CareShield Life?

    If you are born in 1979 or earlier, you can join CareShield Life from end-2021 onwards if you are not severely disabled.

    If you previously claimed from ElderShield but have since recovered, you can choose to join CareShield Life. Your application will be underwritten as part of the enrolment process, and you will be informed if you are required to go for a disability assessment.

    12. Can I join CareShield Life if I am born in 1979 or earlier?

    If you are born in 1979 or earlier, you can join CareShield Life from end-2021 onwards if you are not severely disabled.

    13. If I was previously claiming from ElderShield, but have recovered from my severe disability, can I join CareShield Life?

    If you previously claimed from ElderShield but have since recovered, you can choose to join CareShield Life from end-2021, but you may have to go for a disability assessment.

    14. Will I receive any premium subsidies as an ElderShield 300/400 insured if I upgrade to CareShield Life?

    If you are an ElderShield insured, you can receive CareShield Life premium subsidies if you upgrade to CareShield Life. CareShield Life is a new scheme, and these subsidies will ensure that the premiums remain affordable even as the new scheme offers better protection and benefits.

    15. If I am currently on ESH300/400 and choose to upgrade to CareShield Life, can I withdraw or downgrade back to ESH300/400 subsequently?

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

    Those who are not auto-enrolled can choose to join CareShield Life from end-2021. 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 withdraw, 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 withdraw from the scheme after the applicable opt-out/free-look periods.

    The Government will extend means-tested 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. 

    16. Should I upgrade to/join CareShield Life?

    The Government encourages Singapore Citizens and Permanent Residents born in 1979 or earlier and who are not severely disabled to consider joining CareShield Life to ensure they have basic protection for long-term care. To ensure that CareShield Life premiums are affordable, the Government will provide several premium support measures for those born in 1979 or earlier when the scheme is made available to them in end-2021:

    • Means-tested premium subsidies of up to 30% of premiums of CareShield Life, to help lower- to middle-income households.
    • Participation incentives* of up to $2,500 for Singapore Citizens born in 1979 or earlier, if they join within the first two years the scheme is made available to them for sign-ups from end-2021 onwards .
    • Additional participation incentives of $1,500 for Merdeka and Pioneer Generation citizens within the first two years the scheme is made available to them for sign-ups from end-2021.
    • Additional Premium Support for Singapore Citizens who are unable to pay their CareShield Life premiums even after premium subsidies, so that no one will lose coverage under CareShield Life due to an inability to pay premiums.

    *Participation incentives will be used to offset the annual premiums payable, to be spread over 10 years of premium payment

    You may wish to refer to the CareShield Life premium calculator for information on estimated premiums and premium support. You may also wish to discuss with your financial advisor on your healthcare and financial planning.

    Should you prefer not to join CareShield Life, your ElderShield policy, if you have one, will continue to protect you. There are also other schemes you can tap on to support your long-term care needs e.g. MediSave withdrawals of up to $200/month. 

    17. Will I get higher subsidies if I am of an older age since my CareShield Life premiums will be higher?

    Similar to those born in 1980 or later, if you are born in 1979 or earlier, you will receive means-tested subsidies of up to 30%, on your base premiums for CareShield Life. Although annual premiums for older Singaporeans will be higher as they face fewer years to spread their premium payment, annual subsidies will accordingly be higher.

    The Government will also be providing participation incentives of between $500 and $2500 to encourage those born in 1979 or earlier to join the scheme. The incentive amount is tiered by age, and older Singaporeans will receive higher incentives. Merdeka and Pioneer Generation citizens will receive additional participation incentives of $1,500, with the total participation incentives coming up to $4,000.

    Those who need more assistance with their premium payment after subsidies and the participation incentive will receive Additional Premium Support, and no one who joins CareShield Life will lose coverage due to financial difficulties.

    18. I am born in 1979 or earlier. Can I withdraw from the CareShield Life scheme after joining (e.g. if I cannot afford the premiums)?

    To make joining CareShield Life more convenient, you will be auto-enrolled in CareShield Life from end-2021, if you are a Singapore Citizen or Permanent Resident born between 1970 and 1979, covered under the ElderShield 400 scheme and are not severely disabled at the point of auto-enrolment. If you are auto-enrolled, you can withdraw from CareShield Life by 31 Dec 2023 if you do not wish to join the scheme. 

    Those who are not auto-enrolled can choose to join CareShield Life from end-2021. 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 consider your decision. 

    The Government will provide participation incentives of up to $2,500 to all Singapore Citizens born in 1979 or earlier who join CareShield Life in the first two years the scheme is made available for sign-ups from end-2021. Additional participation incentives of $1,500 for Merdeka and Pioneer Generation citizens within the first two years the scheme is made available for sign-ups from end-2021.

    The Government will also 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 withdraw from the scheme. 

    19. If I have finished claiming my ESH 300/400 payouts, can I still join CareShield Life?

    If you have recovered from severe disability, you can choose to join CareShield Life in end-2021, but you may be required to undergo a disability assessment. You will not be able to join CareShield Life if you are severely disabled.

    If you have finished claiming your ElderShield payouts or are not on ElderShield, you can tap on means-tested Government subsidies and various Government assistance schemes to complement your personal savings and family support, in meeting your long-term care needs. Government assistance schemes such as the Seniors' Mobility and Enabling Fund can also help defray the cost of consumables and assistive devices. You can also tap on your own or your spouse's MediSave savings under MediSave Care (also known as MediSave Withdrawals for Long-Term Care), and/or ElderFund.

    Government-funded safety nets such as MediFund, ComCare can provide further assistance if you are unable to pay for your care even after Government subsidies and other means of support.

    20. If I am within the auto-enrolment age group of 41-50, have become severely disabled but have yet to be formally assessed or start claiming from ElderShield, can I still join CareShield Life?

    Severely disabled ElderShield insureds will not be able to join CareShield Life. If you are a severely disabled ElderShield insured, you should consider making a claim with your insurer, so that you can benefit promptly from the ElderShield scheme.

    ElderShield 400 insureds born between 1970 and 1979 who are not severely disabled when the scheme commences for those born in 1979 or earlier in end-2021 will be auto-enrolled onto CareShield Life.  The Government will make use of existing data from the insurers and the Agency for Integrated Care (AIC) on current claimants from ElderShield/current recipients of disability grant schemes, to determine who is already severely disabled.

    22. I am born in 1979 or earlier and did not qualify to join ElderShield previously. Am I eligible to join CareShield Life now?

    When ElderShield was launched in 2002, a small group of people was not eligible for ElderShield at that time because they were aged 70 or above (born on or before 30 September 1932) or had pre-existing disabilities then. To help this group with their long-term care costs, the government introduced the Interim Disability Assistance Programme for the Elderly (IDAPE) in 2002.

    If you are a Singapore Citizen in this group and are severely disabled, you can apply to receive $150/month or $250/month under IDAPE, depending on your per capita household income, for a maximum of 6 years. For assistance on IDAPE application, please visit the AIC website or call Agency for Integrated Care at 1800-650-6060.

    If you are not severely disabled when CareShield Life is available in end-2021, you can join CareShield Life. You will be eligible to claim under CareShield Life if you subsequently become severely disabled. 

    23. Can I join both ElderShield and CareShield Life to get double the protection?

    If you were born in 1980 or later, you will be covered by CareShield Life upon the scheme launch date on 1 October 2020. ElderShield will not be applicable for you.

    If you were born in 1979 or earlier, you can choose to either remain on ElderShield or upgrade to CareShield Life when the scheme is available for application from end-2021. You will not be able to be on both CareShield Life and ElderShield.

    If you had opted out of ElderShield, you can still apply to join the ElderShield 400 scheme between now and the CareShield Life scheme launch date in end-2021, subject to medical underwriting by the private insurers. The ElderShield scheme will be closed to new applications from end-2021 once the  CareShield Life scheme is launched for those born in 1979 or earlier

    If you wish to have additional coverage beyond that provided by CareShield Life, you can purchase Supplement plans from the private insurers.

    24. I am born in 1979 or earlier, and am not enrolled in ElderShield. Am I eligible for CareShield Life?

    If you are born in 1979 or earlier, you can join CareShield Life if you are not severely disabled when the scheme commences in end-2021. Details of the application process will be provided at a later date. You will be informed if you need to undergo a disability assessment.

    25. What will happen to my current ElderShield and Supplement plans after CareShield Life is launched?

    Your existing ElderShield and Supplement plans will continue to protect you as the launch of CareShield Life will not affect your existing plans. You will continue to pay the same premiums and enjoy the same benefits for as long as you are covered.

    Those who are not severely disabled and wish to join CareShield Life may choose to do so when the scheme is progressively launched from end-2021.

    If you choose to join CareShield Life, the ElderShield premiums that you have paid will be taken into account when computing your CareShield Life premiums. However, as Supplement products are run by the private insurers, the premiums paid for ElderShield Supplements will not be taken into account.

    Upon successful issuance of your CareShield Life cover, your ElderShield plan will be terminated. Your Supplement plan will remain. However, you should review your insurance needs holistically before you  decide to join CareShield Life. 

    26. I am born in 1979 or earlier. Do I need to back pay premiums from age 30 to join CareShield Life?

    ElderShield premiums that ElderShield insureds have paid will be taken into account when computing their CareShield Life premiums. Insureds do not need to back pay for CareShield Life coverage starting from 30; they will only be paying for coverage going forward. 

    However, CareShield Life's annual premiums for older insureds will still be higher than those of younger insureds, as they have less years to spread their premium payment over.

    27. Why is the Government auto-enrolling ElderShield 400 insureds who are born between 1970 to 1979 to CareShield Life?

    Auto-enrolment will make it more convenient for Singaporeans to join CareShield Life. The majority of ElderShield400 (ESH400) insureds born between 1970 to 1979 are unlikely to be severely disabled in 2021, as severe disability is more likely to occur in old age.

    If you are a ESH400 insured born between 1970 to 1979, you will have at least 2 years, up to 31 Dec 2023, to opt out of CareShield Life if you do not wish to remain in the scheme.

    Nonetheless, those born in 1979 or earlier and are not severely disabled can join CareShield Life from end-2021. The Government will provide means-tested premium subsidies and participation incentives if they do so.

    28. How do the CareShield Life premiums and payouts compare against Supplements and other private long-term care insurance plans?

    Supplement premiums are not directly comparable as there are inherent differences in the product design of CareShield Life, Supplements and other private long-term care products:

    • Currently, there are no Supplement plans with increasing payouts, although there are Supplement plans that have a higher payout quantum and no cap on payout duration, similar to CareShield Life.
    • Supplements generally have premium schedules designed to keep annual premiums lower e.g. some of them allow premiums to be paid up to age 80, 100 or over the insured’s lifetime while CareShield Life only requires premiums to be paid up to age 67. Some Supplements offer additional benefits, such as death benefit, lump sum benefit upon claim or payouts upon not being able to perform at least 2 out of the 6 Activities of Daily Living (ADLs), which CareShield Life does not provide.

    As part of CareShield Life, the Government will be providing several premium support measures for those born in 1979 or earlier, including means-tested premium subsidies, participation incentives, and Additional Premium Support for those who are unable to pay their CareShield Life premiums even after premium subsidies. No one will lose coverage due to financial difficulties.

    In addition, CareShield Life will be administered by the Government on a not-for-profit basis. Government administration will enable the provision of premium support for lower- and middle-income Singaporeans and offer more flexibility for future scheme enhancements. 

    29. I am born in 1979 or earlier. Will I be able to join or upgrade to CareShield Life?

    If you are born in 1979 or earlier, you can join CareShield Life when the scheme is made available to you from end-2021 onwards, if you are not severely disabled (i.e. able to perform four or more Activities of Daily Living (ADLs)). Details of the application process will be provided closer to end-2021. Your application will be underwritten as part of the enrolment process, and applicants will be informed if they are required to undergo  a disability assessment.

    To make joining CareShield Life more convenient, if you are a Singapore Citizen or Permanent Resident born in 1970 to 1979, you will be auto-enrolled into CareShield Life from end-2021, if you are covered under the ElderShield 400 scheme and are not severely disabled at the point of auto-enrolment. You can withdraw from CareShield Life by 31 Dec 2023 if you do not wish to join the scheme.

    30. If I am born in 1970 to 1979 and am covered by ElderShield 400, do I still need to undergo disability assessment before auto-enrolling into CareShield Life?

    If you are born in 1970 to 1979 and covered by ElderShield 400, the Government will make use of existing data from the insurers and the Agency for Integrated Care (AIC) on current claimants from ElderShield/current recipients of disability grant schemes, to determine who is already severely disabled. You may be asked to go for a disability assessment before you are auto-enrolled into CareShield Life, if our existing data indicates you may have severe disability but you are not claiming from ElderShield.

    31. Can I still join CareShield Life even if I have pre-existing medical conditions or pre-existing disabilities?

    If you are born in 1979 or earlier, you can join CareShield Life when the scheme is made available for you from end-2021 onwards if you are not severely disabled (i.e. unable to perform three or more Activities of Daily Living (ADLs)). Details of the application process will be provided closer to end-2021.

    A small number of applicants may need to undergo a disability assessment, and such applicants will be informed if they need a disability assessment.

    32. What is the difference between CareShield Life, ElderShield, MediShield Life, CPF LIFE, ElderFund, Community Health Assist Scheme (CHAS), Home Caregiving Grant (HCG) , Pioneer Generation Disability Assistance Scheme (PioneerDAS) and Interim Disability Assistance Programme for the Elderly (IDAPE)?

    CareShield Life, ElderShield, MediShield Life, CPF LIFE, CHAS, HCG, PioneerDAS,  ElderFund and IDAPE are schemes that help Singaporeans with different types of healthcare and retirement expenses.

    • CareShield Life and ElderShield are long-term care insurance schemes. They insure Singaporeans against the risks of requiring long-term care due to severe disability by providing monthly cash payouts.. CareShield Life offers better protection and assurance as compared to ElderShield as it provides monthly cash payouts for as long as the insured remains severely disabled. 

    • MediShield Life is a universal healthcare insurance scheme. It insures Singaporeans from birth, against the risk of medical conditions that result in large hospital bills and selected costly outpatient treatments.

    • CPF LIFE is a longevity insurance scheme, which insures Singaporeans against the risk of outliving their retirement savings, by providing a monthly payout from their payout eligibility age, for as long as they live.

    • Community Health Assist Scheme (CHAS) enables all Singapore Citizens, including Pioneer Generation (PG) and Merdeka Generation (MG) cardholders, to receive subsidies for medical and/or dental care at participating General Practitioner (GP) and dental clinics. CHAS was implemented to allow CHAS cardholders to enjoy more subsidies at Specialist Outpatient Clinics (SOCs) in public hospitals when referred by CHAS-partnered clinics or polyclinics.

    • Home Caregiving Grant (HCG) is a monthly cash grant of $200 to support families caring for their loved ones with permanent moderate disability who reside in the community, and who require some assistance in at least three Activities of Daily Living. The HCG grant can be used to defray the costs of caregiving expenses, such as the cost of eldercare and caregiver support services in the community or hiring of a foreign domestic worker.

    • Pioneer Generation Disability Assistance Scheme (PioneerDAS) offers life-long monthly cash assistance of $100 to Pioneers with permanent moderate disability who require some assistance in at least three Activities of Daily Living. Applicants must first be verified as a Pioneer to be eligible.  

    • IDAPE is a government assistance scheme providing financial help to needy and disabled elderly Singaporeans who were not eligible to join ElderShield when it was launched in 2002 because they had exceeded the maximum entry age or had pre-existing disabilities.

    • ElderFund is a discretionary government assistance scheme providing financial help to severely disabled lower-income Singaporeans aged 30 and above who are not able to join CareShield Life, or have low MediSave balanaces and inadequate personal savings to meet their long-term care needs.

    33. Can I opt-out from CareShield Life?

    Please select the age group you belong to. 

    You selected: I am a Singapore Citizen or Permanent Resident born in 1980 or later

    If you are a Singapore Citizen or Permanent Resident born in 1980 or later, CareShield Life will be universal and mandatory for you. You will not be able to opt out. 

    CareShield Life is a long-term care insurance which provides financial protection against long-term care costs of Singaporeans in the event of severe disability. CareShield Life will provide you with better protection and assurance for basic long-term care needs with:

    1. 1. Lifetime cash payouts, for as long as the insured remain severely disabled;  
    2. 2. Increasing payouts, starting at $600/month in 2020 and increases annually until age 67 or when a successful claim is made, which is earlier; 
    3. 3. Government subsidies to make it affordable, with no one losing coverage if they cannot pay premiums;
    4. 4. Premiums can be fully paid by MediSave.

    You selected: I am a Singapore Citizen or Permanent Resident born in 1979 or earlier

    If you are a Singapore Citizen or Permanent Resident born between 1970 and 1979, you will be automatically enrolled in CareShield Life from end-2021, if you are currently covered under the ElderShield 400 (ESH400) scheme and are not severely disabled at the point of auto-enrolment. You can opt out of CareShield Life by 31 Dec 2023 if you do not wish to join the scheme. You will automatically be placed back onto your ESH400 scheme.
     
    Those who are not auto-enrolled can choose to join CareShield Life from end-2021. 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 withdraw, 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 withdraw from the scheme after the applicable opt-out/free-look periods. 

     

     

     

     

     

    34. I do not have a CPF account. Can I still join CareShield Life?

    If you do not have a CPF account, you will still be invited to join the scheme. You can make your first premium payment via the following methods:

    1. Opening a CPF account by making a contribution to your MediSave Account 
    2. A family member* can apply to take over as your premium payer using his/her MediSave savings. To do so, he/she may visit careshieldlife.gov.sg/change-payer and log in using his/her own SingPass to complete the “Change Premium Payer” transaction. Please take note that the “Change of Payer” e-Service is currently under development, and will be rolled out by end-2020

    *Family member refers to the Insured's spouse, parents, children, siblings or grandchildren.

  • 1. What is the payout amount for CareShield Life?

    A successful CareShield Life claimant can receive payouts for the entire duration of severe disability (i.e. for as long as he/she remains severely disabled) and continues to be insured under CareShield Life. This is meant to provide better protection against the uncertainty of long-term care costs.

    The potential payout starts at $600 per month in 2020, which increases annually until age 67 or when a successful claim is made, whichever is earlier.

    For example, if a 30-year-old individual joined CareShield Life in 2020, is severely disabled and makes a claim in 2020, he/she can potentially receive $600 per month, for the entire duration of severe disability. However, if a 30-year-old individual joined CareShield Life in 2020, and becomes severely disabled at age 67 or later, he/she can potentially receive $1,200 per month upon making a successful claim, for the entire duration of severe disability.

    2. What will be the rate of premium and payout increases for CareShield Life?  

    The rate of premium and payout increases for CareShield Life will have to be reviewed regularly based on actuarial principles, taking into account factors like changes in claims experience and longevity. This is important to keep the fund sustainable.

    An independent council will be set up to regularly review these trends and advise the Government on premium and payout adjustments in accordance with an actuarially sound adjustment framework. Actual future premiums and payouts will vary depending on the regular adjustments.

    To give Singaporeans greater certainty in the first five years, payouts and premiums will each increase by 2% per year.

    3. How was the starting payout of $600 per month for CareShield Life decided?

    Long-term care costs vary depending on one’s care needs and arrangements. How one finances these costs also vary, depending on one’s financial resources.

    In deciding the enhanced payouts, the ElderShield Review Committee took into account the basic long-term care costs for a range of services and settings, other sources of long-term care funding, such as Government subsidies and assistance schemes, community support, personal savings, family support and Government-funded safety nets e.g. MediFund or ComCare; as well as the need to balance benefits and premium affordability. As part of the overall enhancements to long-term care financing, CareShield Life will provide better protection and assurance to Singaporeans for their basic long-term care needs.

    If you wish to have additional coverage, you may consider supplementing your basic CareShield Life insurance with Supplements from the private insurers.

    4. Why do CareShield Life payouts stop increasing once insureds stop paying premiums e.g. when they make a claim or turn 67?

    CareShield Life payout increases will need to be supported by premium adjustments, to keep the scheme sustainable. Those who wish to have payouts that increase for life may opt to purchase Supplements. Insurers may also wish to take note of CareShield Life features when designing Supplements.

    CareShield Life payouts should also not be seen in isolation, but complement existing Government subsidies, Government assistance schemes, community support, personal savings and family support, to better enable Singaporeans to afford their basic long-term care costs. They can also make monthly cash withdrawals of up to $200 from their and/or their spouse’s MediSave Account(s) under MediSave Care from 1 October 2020 onwards.

    For Singaporeans who are unable to pay for their care even after Government subsidies, CareShield Life payouts and personal savings, there are Government-funded safety nets such as MediFund or ComCare which can provide further assistance.

    5. As a pensioner, can I receive any special benefits under CareShield Life?

    There are no special benefits for pensioners under CareShield Life. Participation in CareShield Life is optional for you, and you can join CareShield Life from end-2021 onwards if you are not severely disabled. If you are interested in CareShield Life, you can refer to the CareShield Life premium calculator for your estimated premiums before and after any Government subsidies and incentives using the CareShield Life premium calculator.

    6. CareShield Life is still targeted at those with severe disability i.e. unable to perform three or more Activities of Daily Living. Why was this retained?

    CareShield Life is targeted at severe disability, so that premiums can be kept affordable for all insureds.

    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.

    7. Why not allow insureds to choose from different CareShield Life plans depending on their ability to pay?

    CareShield Life is intended to provide better protection for basic long-term care needs, when payouts are taken together with other long-term care financing sources.

    If you wish to have additional coverage beyond what CareShield Life provides, you can consider purchasing Supplements from private insurers. 

    8. Why can’t CareShield Life automatically reimburse long-term care costs directly like MediShield Life does for hospital bills?

    Cash payouts under CareShield Life will provide severely disabled individuals and their caregivers more flexibility to decide on their desired care arrangements. This is to ensure that they are not limited to certain long-term care services in order to be eligible for claim.

    For example, some individuals may prefer to remain in a familiar home setting and thus opt for home-based care, while others may prefer receiving care from a healthcare provider such as a nursing home.

    9. Can there be lump sum payouts / death benefits / “No-claim Bonus” to incentivise healthy living / 2 Activities of Daily Living (ADLs) criteria for CareShield Life?

    CareShield Life is designed to provide basic financial protection against the costs of long-term care, with monthly cash payouts upon severe disability to cover ongoing costs. It is not designed or priced to cover payouts if insureds remain healthy.

    If you wish to obtain additional coverage including lump sum payouts and death benefits, you can consider purchasing Supplements from the private insurers.

  • 1. What Government subsidies or incentives are available to help me with my CareShield Life premiums?

    To ensure that CareShield Life premiums are affordable, the Government has committed to providing several premium support measures when the scheme is launched:

    1.  Means-tested premium subsidies of up to 30% of CareShield Life premiums for Singaporeans.

    Table 1: Means-tested premium subsidiesa for Singaporeansb

      Monthly PCHI
    $1,200 or less
    Monthly PCHI
    $1,201 - $2,000
    Monthly PCHI
    $2,001 - $2,800c
    Subsidy Rates for Singapore Citizensd 30% 25% 20%

    a These subsidies are applicable to Singaporeans who join CareShield Life. For those born in 1979 or earlier, these subsidies are only applicable to the base premium and not applicable to the catch-up component, to ensure parity in premium subsidies across different groups in those cohorts.

    b These subsidy rates are applicable to Singapore Citizens who live in residences with an Annual Value of $13,000 or less. Those with an Annual Value between $13,001 to $21,000 will receive 10 percentage points less than these subsidy rates. Those with Annual Value of above $21,000 will not receive these subsidies.

    c Individuals with monthly PCHI above $2,800 will not receive these subsidies.

    d Permanent Residents receive half of the subsidy rates applicable to Singapore Citizens.

    2. Transitional subsidies for the first 5 years from launch of CareShield Life for Singapore Citizens born in 1980 and after, to ease their transition into the scheme.

    Table 2: Schedule of transitional subsidies for Singapore Citizensa

    Age in Year 1 of Scheme Launch Year from Scheme Launch Total
    Transitional
    Subsidy
    Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    26 - - - - $30 N.A.
    (End of
    transitional
    subsidy)
    $30
    27 - - - $40 $30 $70
    28 - - $50 $40 $30 $120
    29 - $60 $50 $40 $30 $180
    30-40 $70 $60 $50 $40 $30 $250

     

    a Transitional subsidies are only available to Singapore Citizens who are enrolled within the first 5 years from launch of the enhanced scheme, i.e. those who are aged between 26 and 40 at scheme launch.

    3. Participation incentives of up to $2,500 to encourage Singapore Citizens born in 1979 or earlier to join CareShield Life within the first two years when the scheme is available for sign-ups from end-2021.

    Table 3: Participation incentive for Singapore Citizensa

    Birth Year Participation Incentives
    1975 to 1979 $500
    1970 to 1974 $1,000
    1965 to 1969 $1,500
    1960 to 1964 $2,000
    Before 1960 $2,500

    a The incentive will be spread equally over 10 years and will be used to offset the premium payable in that year. It will only be applicable if Singapore Citizens born in 1979 or earlier born in 1979 or earlier born in 1979 or earlier join in the first two years from end-2021.

    4. Additional participation incentives of $1,500 for Merdeka and Pioneer Generation citizens within the first two years the scheme is available for sign-ups from end-2021

    5. Additional Premium Support for Singaporeans who are unable to pay their CareShield Life premiums even after premium subsidies, so that no one will lose coverage under CareShield Life due to their inability to pay premiums.

    2. Why do CareShield Life premiums increase over time?

    Annual increases in CareShield Life payouts help protect the value of CareShield Life payouts over time. This needs to be supported by annual increases in CareShield Life premiums. To give Singaporeans greater certainty in the first five years, payouts and premiums will each increase by 2% per year.

    An independent council will be set up to regularly review these trends and advise the Government on CareShield Life premium and payout adjustments in accordance with an actuarially sound adjustment framework. The Government will consider affordability of premiums when reviewing the council’s advice on premium adjustments.

    3. Are the increases in CareShield Life payouts and premiums fixed at 2% annually?

    To provide greater assurance to Singaporeans, payouts and premiums will both increase by 2% per year for the first five years of the scheme’s implementation. An independent council will be set up to regularly review these trends thereafter and advise the Government on premium and payout adjustments in accordance with an actuarially sound adjustment framework.

    4. How often will the CareShield Life premiums increase?

    To give Singaporeans greater certainty in the first five years, payouts and premiums for CareShield Life will each increase by 2% per year.

    An independent council will be set up to regularly review these trends and advise the Government on CareShield Life premium and payout adjustments in accordance with an actuarially sound adjustment framework. The Government will consider affordability of premiums when reviewing the council’s advice on premium adjustments.

    5. What will be the CareShield Life premiums when a 30-year-old today reaches 67 years old?

    For those born in 1980 or later, starting premiums vary by joining age and gender. CareShield Life premiums are designed to increase regularly to support the regular increase in payouts. The schedule of premium increases is not fixed, and will be regularly reviewed by an independent council to ensure the sustainability of the scheme.

    As an illustration, for a 30-year-old who joins the CareShield Life scheme upon its launch, his premiums would increase from $17/month to $36/month when he reaches 67 years old, assuming a non-guaranteed 2% premium increase per annum. His payouts would have correspondingly increased from $600/month at scheme launch to around $1,200/month. Actual future premiums and payouts will vary depending on the adjustment each year.

    However, to provide greater assurance to Singaporeans, for the first five years of scheme implementation, payouts and premiums will both increase by 2% per year. An independent council will be set up to regularly review these trends thereafter and advise the Government on premium and payout adjustments in accordance with an actuarially sound adjustment framework.

    6. I am born in 1979 or earlier. How can I estimate my CareShield Life premiums from the archetypes that the Government has released?

    You can view your estimated CareShield Life premiums via the CareShield Life premium calculator. Details on the enrolment process will also be provided when ready.

    While the estimated CareShield Life premiums can give those born in 1979 or earlier a sense of what their premiums may be like, each individual's actual premiums will differ due to differences in age, whether an individual is currently covered under ElderShield 300, 400, or not covered, as well as the effect of means-tested subsidies and age-tiered participation incentives.

    7. I am born in 1979 or earlier. Will the premiums I had already paid under ElderShield be taken into account when I join CareShield Life?

    ElderShield premiums that ElderShield insureds have paid will be taken into account when computing their CareShield Life premiums - the CareShield Life base premium takes into account the premiums existing ElderShield 400 insureds in their cohort have already paid for ElderShield. 

    Existing ElderShield 300 insureds, as well as those not covered under ElderShield, will pay an additional catch-up component over a period of 10 years, as they would not have paid as much premiums as those in their same cohort who are covered under ElderShield 400. Other groups that may also need to pay a catch-up component include ElderShield 400 insureds who opted out when they were auto-enrolled when they turned 40 and then opted back in later, those who join after end-2021, and insureds whose policies became reduced paid-up, i.e. they stopped paying premiums after a minimum number of years of premium payment, which qualifies them for a lower payout amount.

    The premiums that ElderShield 300/400 insureds have already paid will be taken into account when computing their catch-up component.

    ElderShield Supplement premiums will not be taken into account when computing CareShield Life premiums. ElderShield Supplements provide coverage beyond ElderShield, and their benefits will continue to be recognised even if an ElderShield insured upgrades to CareShield Life, as long as the insured continues paying his Supplement premiums and does not terminate his Supplement coverage. 

    8. I am born in 1979 or earlier. Can I choose to receive the CareShield Life participation incentive as one lump sum?

    The participation incentive is meant to encourage those born in 1979 or earlier to join CareShield Life by helping to offset the annual premiums payable. As such, the Government has designed it to be spread over 10 years of premium payment.

    9. What is the catch-up component under CareShield Life?

    All Singapore residents born in 1979 or earlier who join CareShield Life will pay a base premium.

    If you are an existing ElderShield 400 insured who did not opt out when you were auto-enrolled, you would only pay the base premium.

    If you are an existing ElderShield 300 insured, or are not covered under ElderShield, you will pay an additional catch-up component on top of the base premium, as you would not have paid as much premiums as those in the same cohort who are covered under the ElderShield 400 scheme. The catch-up component will be paid over 10 years and will remain a flat amount.

    You may also need to pay a catch-up component if

    i. You are an ElderShield 400 insured who opted out when you were auto-enrolled upon turning 40 and then opted back in later,
    ii. You join CareShield Life after end-2021; or
    iii. Your ElderShield 300/400 policies have become paid-up (i.e. you stopped paying premiums after a minimum number of years of premium payment, which qualifies you for a lower payout amount).

    10. I am born in 1979 or earlier. Why are there no subsidies for the catch-up component when it looks so substantial?

    All Singapore Citizens and Permanent Residents born in 1979 or earlier who join CareShield Life will pay a base premium that takes into account the premiums existing ElderShield 400 insureds in their cohort have already paid for ElderShield. Existing ElderShield 300 insureds as well as those not covered under ElderShield pay an additional catch-up component.

    The catch-up component is not subsidised to ensure parity in premium subsidies across different groups within those born in 1979 or earlier.

    Nonetheless, for those who are unable to pay for their CareShield Life premiums even after premium subsidies, the Government will provide Additional Premium Support, so that no one who joins CareShield Life loses coverage due to financial difficulties.

    11. Do the MediSave contribution rates need to be increased because of the higher CareShield Life premiums?

    The current MediSave contribution rates already allow most working households to pay for CareShield Life and MediShield Life premiums from their monthly MediSave contributions. The Government will continually review the MediSave contribution rates to ensure that they are adequate for the future healthcare needs of Singaporeans.

    12. Are the premiums shown in the CareShield Life premium calculator confirmed?

    The premiums shown in the premium calculator are estimates for now, and will be confirmed when CareShield Life is launched. If you are interested in joining CareShield Life, you can refer to the CareShield Life premium calculator for your estimated premiums before and after any Government subsidies and incentives.

    13. What are my premiums when I enrol in CareShield Life?

    You can view your estimated CareShield Life premiums via the CareShield Life premium calculator.

    Estimated premiums are available for Singapore Citizens and Permanent Residents born between 1946 and 1990, except for the following: 

    • Those who withdrew participation from ElderShield, but re-joined ElderShield later on
    • Those who were born between 1956 and 1967, and opted for a single premium payment term for the ElderShield scheme
    • Those who have a paid-up policy

    The Ministry of Health is still working with the actuarial consultant to compute the premiums for these groups as the computation for these premiums is more complex. These groups will be able to find out more about their premiums closer to end-2021.

    If you are a Singaporean born in 1991 or later, you will be able to see your premiums just before you turn 30.

    If you are a Singaporean born in 1945 or earlier, you may contact the Healthcare Hotline at 1800-222-3399 for more details on your estimated premiums.

    14. Why was the CareShield Life premium payment term extended to age 67?

    Starting the CareShield Life premium payment duration at age 30, and ending at age 67 lengthens the premium payment duration. A longer duration of premium payment allows insureds to spread premium payment over more years, so as to reduce annual premiums payable.

    The premium payment end age might be subsequently reviewed to take into consideration the changes in the re-employment age. Ample notice will be given to cohorts who are affected by any changes to the premium payment end age.

    16. Will the CareShield Life premium payment end age go up further based on the prevailing re-employment age?

    The premium payment end age of CareShield Life will be set taking into account any changes to the re-employment age in future. Ample notice will be given to you if you are affected by any changes to the premium payment end age.

    17. Why are CareShield Life premiums for older cohorts higher than younger cohorts?

    The estimated premiums for all cohorts are actuarially determined, and are designed to be not-for-profit.

    CareShield Life premiums are meant to be paid from age 30 to 67, or until the insured makes a claim. Older cohorts who join CareShield Life will have higher annual CareShield Life premiums as they have fewer years to spread their premium payments over, as compared to younger cohorts. Older cohorts also have a higher risk of becoming severely disabled.

    The Government will provide premium support for those born 1979 or earlier:

    1. Lower- to middle-income Singapore residents will receive Means-tested Subsidies. Up to two-thirds of Singapore resident households will be eligible for CareShield Life subsidies of up to 30%.
    2. Singapore Citizens born in 1979 or earlier will receive Participation Incentives of up to $2,500, spread over the first 10 years of their policy, if they join CareShield Life in the first two years from end-2021.
    3. Those in financial need who are unable to pay for their premiums after premium subsidies can apply for Additional Premium Support from the Government.

    18. Why are CareShield Life premiums for females higher although their payouts are the same as males?

    As individuals are more likely to get severely disabled in old age, women end up having an overall higher chance of becoming severely disabled because women live longer. In 2018, the average life expectancy at birth for women is 85.4 years as compared to 80.9 years for men. 3 in 5 healthy women at age 65 are expected to become severely disabled, compared to 2 in 5 healthy men at age 65.

    At the older ages, when disability is likely to take place, women are also more likely to remain in disability for a longer time than men. Women aged 60 are expected to spend 7.8 years requiring assistance with any of the Activities of Daily Living, compared to 2.6 years for men aged 60.

    However, men and women pay premiums over the same duration of time, so premiums for women will need to be higher, to account for their higher likelihood and quantum of claims.

    The Government will provide premium subsidies and support based on insured’s financial circumstances to ensure premiums are affordable regardless of gender.

    19. Why not extend premium payment for life for CareShield Life, like MediShield Life?

    Lengthening the premium payment duration by bringing down the start age to age 30 and extending the end age to 67 is sufficient to improve CareShield Life premium affordability, while still keeping premium payment largely during one’s working years.

    20. What if CareShield Life premiums result in me not meeting the Basic Healthcare Sum (BHS)?

    The Basic Healthcare Sum (BHS) is the estimated savings required for basic subsidised healthcare needs in old age. As CareShield Life premium payments will stop at the re-employment age of 67 for most Singaporeans, the Government does not expect premiums to have a significant impact on the BHS.

    Nevertheless, the Government will review and adjust the BHS regularly to ensure that Singaporeans’ MediSave savings keep pace with growth in MediSave use by the elderly, especially with rising healthcare costs and expansions in MediSave uses.

    21. Does the Basic Healthcare Sum need to be increased because of the higher CareShield Life premiums?

    The Basic Healthcare Sum (BHS) is the estimated savings required for basic subsidised healthcare needs in old age. As CareShield Life premium payments will stop at the re-employment age of 67 for most Singaporeans, the Government does not expect premiums to have a significant impact on the BHS.

    Nevertheless, the Government will review and adjust the BHS regularly to ensure that Singaporeans’ MediSave savings keep pace with growth in MediSave use by the elderly, especially with rising healthcare costs and expansions in MediSave uses.

    22. How will Singaporeans’ eligibility for CareShield Life means-tested premium subsidies be assessed?

    Means-tested premium subsidies will depend on Singaporeans’ household per capita income, the annual value of his or her residence, and the number of properties owned. Lower- and lower-middle income Singaporeans who own no more than one property, and live in residences with annual values up to $21,000 will be eligible for means-tested premium subsidies.

    23. What is the difference in treatment between Singapore Citizens and Permanent Residents for CareShield Life premium subsidies?

    For means-tested CareShield Life premium subsidies, Permanent Residents will receive half the means-tested premium subsidy rates applicable to Singapore Citizens, in line with MediShield Life.

    Only Singapore Citizens will receive transitional subsidies and participation incentives.

    24. If I am self-employed/retired/become unemployed before age 67, will I be able to afford CareShield Life premiums?

    The Government will provide CareShield Life premium subsidies for lower- and middle-income insureds. Singaporeans who are unable to afford premiums even after premium subsidies can be assisted by Additional Premium Support. No one will lose coverage due to financial difficulties.

    25. What will happen to my CareShield Life premiums that I paid should I pass away before claiming?

    There is no death benefit for CareShield Life. As such, there will be no payouts upon insureds' passing. If you wish to obtain insurance that provides death benefits, you may purchase Supplements that provide this option.

    26. I am covered under CareShield Life. What is Additional Premium Support and who can qualify?

    Additional Premium Support is designed to help Singaporeans who cannot afford CareShield Life/MediShield Life premiums even after premium subsidies and payment by MediSave, and have insufficient family support to rely on.

    No one will lose coverage due to financial difficulties.

    For more information on APS, please visit the MediShield Life website or call the Healthcare Hotline at 1800-222-3399 for assistance.

    27. I am currently receiving Additional Premium Support under MediShield Life. Would I be given Additional Premium Support under CareShield Life?

    Additional Premium Support (APS) will be granted to pay your outstanding and future MediShield Life and CareShield Life premiums (if applicable) within the two-year APS validity period. There is no need for you to make separate application for APS for the two schemes.

    Please note that you will not be eligible for APS if you have an additional private medical insurance cover under an Integrated Shield Plan and/or Supplements under ElderShield/CareShield Life.

    For more information on APS, please visit the MediShield Life website or call rhe Healthcare Hotline at 1800-222-3399 for assistance.

    28. What happens if I do not pay the CareShield Life premiums I owe?

    With universal coverage under the CareShield Life scheme, you are responsible for paying your CareShield Life premiums, as part of our overall collective responsibility in meeting our long-term care needs.

    With Government support in the form of means-tested premium subsidies and Additional Premium Support, no one will lose CareShield Life coverage due to financial difficulties.

    Premium defaults, if not fully settled, would lead to a bad debt for the scheme, and would need to be shouldered by other insureds in the form of higher premiums.

    The Government will send notices and reminders to those who have not paid their premiums. Premium recovery measures, similar to those for MediShield Life, may be employed for the small minority who are able to pay but wilfully default on their premiums.

    29. I made a top-up to my MediSave Account for payment of CareShield Life premium. Has the top up been credited?

    You may view your MediSave contributions under "my cpf Online Services" in your online CPF Statement of Account (SOA) after using your SingPass to log in at cpf.gov.sg. The top-up is reflected as 'CON' in your online SOA.

    30. When do I have to pay for my CareShield Life premiums?

    Your CareShield Life premium is payable annually. The premium payable will be automatically deducted from your or your premium payer’s MediSave Account within 1 month from your policy anniversary. You can refer to the CareShield Life Premium Checker e-Service to check if you have any premiums payable.

    31. How can I pay CareShield Life premiums as reflected on the Premium Checker e-Service?

    Premium payment can be fully paid via MediSave. If you have sufficient funds in your MediSave Account, your CareShield Life premiums will be automatically deducted from your MediSave Account.

    If you have insufficient savings in your MediSave Account, you can make a top-up via CPF e-Cashier (select “Contribute to My MediSave”). 

    32. If I top up my MediSave to pay my CareShield Life premiums, does it count towards the MediSave amount that a self-employed person needs to contribute?

    Yes. The top-up to your MediSave Account to pay for your CareShield Life premiums is a Voluntary Contribution and can be used to offset the MediSave payable for the Self-Employed Scheme.

    33. Can I claim tax relief for the top-up to my MediSave Account to pay for CareShield Life premiums?

    Top-ups to MediSave Account to pay CareShield Life premiums are generally treated as voluntary contributions and those who are eligible may enjoy tax relief. These top-ups can also be used to offset MediSave liability for Self-Employed Persons.

    34. How can I pay my CareShield Life premiums if I am overseas?

    Your CareShield Life premiums will be automatically deducted from your MediSave Account.  In the event of insufficient savings in the MediSave Account for premium payment, you can top up your MediSave Account through CPF e-Cashier (select “Contribute to My MediSave”).

    If you do not have a MediSave Account, you can set up a MediSave Account with CPF Board by making a top-up through CPF e-Cashier (select “Contribute to My MediSave”).

    35. Can I pay for CareShield Life premiums using GIRO?

    Currently, CareShield Life premiums can only be paid via MediSave. You can pay for your premiums from your own MediSave, or your family members may pay for your premiums using their MediSave.

    36. How can I make a top-up to my MediSave Account for payment of CareShield Life premiums?

    You may top up your MediSave Account via CPF e-Cashier (select “Contribute to My MediSave”).

    37. If there are insufficient funds in my MediSave Account, can I use my Ordinary/Special Account monies to pay for my CareShield Life premiums?

    The savings in your CPF accounts are for specific uses. Savings in your Ordinary Account and Special Account are primarily for housing and retirement, while savings in your MediSave Account are for the payment of selected healthcare insurance premiums (such as MediShield Life and CareShield Life premiums) and hospitalisation expenses.

    Thus, you are unable to use the savings in your Ordinary Account and Special Account to pay for your CareShield Life premiums.

    38. What if I am not able to pay for my CareShield Life premiums?

    There are various Government subsidies available to help Singaporeans with their CareShield Life premiums. In addition, the Government will provide Additional Premium Support (APS) to help those who are unable to afford their CareShield Life premiums even after premium subsidies and have limited family support.

    If you are eligible, the Government will send you an application inviting you to apply for Additional Premium Support. The Government will reach out to you to help you with the process if you are unable to make the application by yourself.

    For more information on APS, please visit the MediShield Life website or call the Healthcare Hotline at 1800-222-3399 for assistance.

    39. Do I have to continue paying for CareShield Life premiums if I become severely disabled?

    No. If you become severely disabled and are eligible to claim under CareShield Life, you will not need to pay premiums from the time your claim application is approved.  However, please note that the first premium payment is still required if you become disabled in the first policy year.

    Premium payment will resume if you are no longer severely disabled.

    40. How can I apply for Additional Premium Support to pay for my CareShield Life premiums?

    Additional Premium Support (APS) provides financial assistance to members who are unable to afford their premiums after premium subsidies and have limited family support.

    There is no need for you to apply for APS ahead of time. You will be invited to apply for APS should you have insufficient MediSave savings and limited family support to pay your premiums.

    If you are subsequently assessed to be eligible for the scheme, the Government will grant APS to you to pay for your MediShield Life and CareShield Life (if applicable) premiums.

    For more information on APS, please visit the MediShield Life website or call the Healthcare Hotline at 1800-222-3399 for assistance.

    41. Why did the CareShield Life Welcome Package state that I was previously invited to apply for Additional Premium Support (APS)?

    As you have an outstanding MediShield Life premium, a letter (Ref: APCINV) was sent earlier on to inform you to apply for Additional Premium Support (APS) if you need assistance to pay your outstanding premiums. If you still require assistance to pay for your premiums, you may complete the APS application form that was enclosed with the letter and mail it to us using the Business Reply Envelope provided.

    For more information on APS, please visit the MediShield Life website or call the Healthcare Hotline at 1800-222-3399 for assistance.

    42. Where can I find more information on Additional Premium Support (APS)?

    For more information on APS, please visit the MediShield Life website or call the Healthcare Hotline at 1800-222-3399 for assistance.

    43. Can I help my family members pay for their CareShield Life premiums?

    You can pay the CareShield Life premiums for your family members (i.e. spouse, parents, children, siblings or grandparents) using your MediSave.
     
    To do so, you can visit Change Premium Payer e-Service and log in using SingPass to complete the application. Please take note that this e-Service is currently under development, and will be rolled out by end-2020.

    44. What are the measures that the Ministry of Health has put in place to prevent premiums from escalating drastically?

    The CareShield Life Council will regularly review the experience of the CareShield Life scheme and advise the Government on CareShield Life premium and payout adjustments in accordance with an actuarially sound adjustment framework. Regular reviews would be conducted on key assumptions such as morbidity experience, trends in mortality, rate of claims continuance etc.

    If the actual claims paid are higher than expected, the Council may recommend adjustments (e.g. increase the rate of premium increases or moderate the pace of payout increases) to ensure the scheme remains sustainable.

    The Government will consider affordability of premiums when reviewing the Council’s advice on premium adjustments.

    45. Does the Government intend to provide additional support for individuals who are financially affected by COVID-19?

    The Government has put in place several measures to ensure that CareShield Life premiums remain affordable. In particular, the Government will provide means-tested premium subsidies, Additional Premium Support and other support measures to ensure that premiums remain affordable. This includes the transitional subsidies for the future cohorts joining the new scheme.

    We also understand that it may be more challenging to meet living expenses during the current COVID-19 pandemic. There are additional support measures available to support lower- and middle-income families, such as the Temporary Relief Fund and COVID-19 Support Grant.

  • 1. From a healthcare professional's point of view, how can I qualify as an assessor for CareShield Life?

    Eligible healthcare professionals will be required to undergo training and accreditation to qualify as a CareShield Life assessor. Healthcare professionals who are interested to sign up for training can write in to the Agency for Integrated Care (AIC) at apply@aic.sg for registration details.

    2. Will it become more difficult for me to claim under my Supplements since the Government will be administering CareShield Life?

    The Government will work with private insurers to ensure that the claims process for insureds with CareShield Life and Supplement policies can be made as seamless as possible.

    3. Why call the enhanced scheme “CareShield Life”?

    The new name, CareShield Life will better signal the intent of the scheme to provide protection for long-term care.

    The current ElderShield scheme will continue to be known as “ElderShield”.

    4. How much cheaper are the ElderShield and CareShield Life premiums going to be under Government administration, compared to private sector administration?

    As the Government will be operating CareShield Life on a not-for-profit basis, CareShield Life premiums will be based on actuarial principles with no profit margins priced in.

    For ElderShield, the Government will maintain the current ElderShield premiums and run the scheme on a not-for-profit basis. There will be no change to benefits due under ElderShield. Any excess of premiums over claims will be used for insureds’ benefit. In the event that the actual claims experience turns out better than expected, there will continue to be premium rebates for all insureds.

    5. Will the Government be more lenient in its underwriting and claims processes compared to the insurers if it administers CareShield Life?

    CareShield Life will still be targeted at severe disability, i.e. no change from today’s criteria for the current ElderShield schemes. However, as a single administrator, the Government can achieve better consistency in the implementation of underwriting and claims processes across insureds.

    6. Will the Government administer both CareShield Life and the current ElderShield schemes?

    The Government will work with the agencies, Central Provident Fund Board (CPFB) and the Agency for Integrated Care (AIC), to operationalise and administer CareShield Life and ElderShield schemes. These agencies have a good record in implementing insurance and long-term care support schemes.

    7. Who are the members of the CareShield Life council?

    The CareShield Life Council has been appointed on 1 April 2020 and has 14 members from a variety of disciplines (e.g. actuaries, investment/finance expertise, accounting/auditor, doctor, law, medical social worker, and union/grassroots).

    8. What are the roles of the CareShield Life Council?

    The CareShield Life Council will oversee the CareShield Life and ElderShield schemes, and provide advice/recommendations to the Minister for Health on the schemes.

    The terms of reference for the CareShield Life Council are:

    • Make recommendations on policy and scheme parameters, including premium and benefit adjustments, to ensure that CareShield Life and ElderShield schemes provide effective protection in an affordable and sustainable manner.
    • Review the administration of the CareShield Life and ElderShield schemes.
    • Advise on matters related to the investment of the CareShield Life and ElderShield Insurance Fund (CIEF), and other matters as the Minister for Health may direct.

    9. What information will the administrators collect for the administration of CareShield Life?

    The administrators will collect and use disability-related healthcare data from healthcare institutions, and information in the possession of other Government departments or public authorities. These data include address, contact details, and bank account information which will aid in the administration of CareShield Life (CSHL).

    The collection of these data will help the administrators to proactively inform severely disabled individuals that they are eligible for CareShield Life claims, and increase their convenience by pre-filling details such as bank account information in the application form. Additionally, the administrators will also be able to check for the eligibility of an individual from the existing cohorts for auto-enrolment into the scheme.

    Given the sensitivity of health information, individuals may opt out of the collection of their health information if they wish to. However, this may require them to attend a separate disability assessment to receive a claim or to join CareShield Life.

    10. Under the CareShield Life and Long Term Care Act, what data will be shared and for what purposes?

    Under the CareShield Life and Long Term Care Act, health information on insureds’ disability status will be used for assessing eligibility for other prescribed disability related Government schemes (such as MediSave Care, Home Caregiving Grant, Pioneer Disability Assistance Scheme etc.), for insureds’ convenience. This means that insureds can be automatically assessed for their eligibility for other Government schemes, without needing to go for another assessment or make another application. Individuals can opt out from the sharing of their health information with these Government schemes.

    Confidential information on the insured e.g. address, bank account information can also be used for such other prescribed disability-related schemes, for the insureds’ convenience.

    11. Will ElderShield/CareShield Life disability assessment data be shared with the private insurers?

    With the insured’s consent, ElderShield/CareShield Life disability assessment data will be shared with relevant Supplement insurers for processing Supplement claims. This is to simplify the Supplement claims process, and prevent patients from having to go for multiple assessments.

    12. How often will CareShield Life be reviewed?

    CareShield Life’s premium and payout adjustments will be reviewed regularly to account for factors like changes in claims experience and longevity. The Government will be advised by the CareShield Life Council on appropriate adjustments in accordance with an actuarially sound adjustment framework to ensure relevance and sustainability of CareShield Life.

  • 1. How will cognitive impairments be better recognised under the revised disability assessment framework for CareShield Life?

    The ElderShield disability assessment form today states that an individual’s cognitive capacity should be taken into consideration when an assessor is assessing Activities of Daily Living (ADLs) ability, but it is not clear how assessors should do so consistently.

    Under the new framework and revised training curriculum, assessors will be guided more explicitly on the aspects to take into consideration if an insured is suspected to be cognitively impaired.  Assessors will therefore be better equipped to take into account the impact of cognitive impairment on an insured’s functional abilities, which will result in cognitively impaired insureds with higher care needs being able to more consistently qualify for CareShield Life claims. 

    Insureds with dementia or other cognitive impairments will still need to undergo a disability assessment in order to qualify for CareShield Life claims, as their functional abilities may be affected in varying degrees by their cognitive impairment. 

    2. If my GP / my nursing home has assessed that I am disabled, why do I still need to visit an accredited GP for assessment?

    Not all GPs would have undergone similar rigorous training programme to learn how to assess disability. A trained, accredited severe disability assessor will be able to assess whether you meet the ElderShield/CareShield Life claims criteria of being unable to perform 3 or more of the 6 Activities of Daily Living (ADLs).

    If you are staying in a nursing home, you may approach your nursing home for assistance to submit the Resident Assessment Form in place of the severe disability assessment.

    3. What kind of other functional assessment tools will be considered for ElderShield/ CareShield Life assessments?

    The Government is looking into how to recognise functional assessment tools which are well-recognised and commonly used in the healthcare and long-term care sectors, for example the Resident Assessment Form, the Modified Barthel Index and the Functional Independence Measure. To ensure that gatekeeping remains robust, these tools should be sufficiently detailed, such that an appropriate threshold for admitting claims can be mapped to the ElderShield claims criterion of severe disability.

    4. Will the CareShield Life disability assessment fees change?

    The CareShield Life assessment fees will be increased in recognition that salary norms have increased over time, as well as the increase in complexity of the disability assessment because of enhancements to the assessment framework to take into account the impact of cognitive impairment on functional ability. More information on the revised assessment fees will be made available soon.

    Nevertheless, the first disability assessment fee will be waived regardless of whether the claim is successful for CareShield Life.

    5. Can I see my own doctor or therapist to be assessed for ElderShield/ CareShield Life claims?

    Currently, in order to be assessed for ElderShield claims, you will need to see an appointed ElderShield assessor, who will complete the ElderShield disability assessment for you. If you are staying in a nursing home, you may approach their nursing home for assistance to submit the Resident’s Assessment Form in place of the ElderShield assessment. 

    For CareShield Life, the Government intends to recognise the equivalent assessment that has already been done by a qualified healthcare professional providing care to the insured. In such cases, a separate assessment by an ElderShield assessor will not be required. The Government will study how to operationalise the change and update on the implementation details when ready.

    6. Does an individual with dementia automatically qualify for CareShield Life claims?

    Insureds with dementia or other cognitive impairments will still need to undergo a disability assessment in order to qualify for CareShield Life claims, as their functional abilities may be affected in varying degrees by their cognitive impairment.

    7. Can the pool of assessors for CareShield Life be expanded to include any Singapore-registered doctor, therapist or nurse?

    Severely disabled CareShield Life insureds who wish to apply for claims will need to undergo a severe disability assessment by a MOH-accredited severe disability assessor. A trained, accredited severe disability assessor will be able to assess whether you meet the claims criteria of being unable to perform 3 or more of the 6 Activities of Daily Living (ADLs).

    Singapore-registered doctors, occupational therapists, physiotherapists, and registered nurses can undergo training to become accredited as severe disability assessors. Through the training, prospective assessors will learn how to assess an individual’s ability to perform basic ADLs of individuals, including the specific components of each ADL to take into account, what factors to consider when an individual is cognitively impaired, and what should be done if an individual’s functional ability fluctuates across time. As this is a complex process, the training and accreditation is necessary to ensure that disability assessments are conducted with a high degree of rigour and consistency.

    Those who are interested to become a severe disability assessor can contact the Agency for Integrated Care for more details.

    8. Can the CareShield Life/ElderShield claims process be automated further, similar to how MediShield Life claims are automatically filed on behalf of patients by the hospitals?

    MediShield Life covers large bills incurred due to hospitalisation, so it is natural that hospitals automatically file claims on behalf of patients.

    CareShield Life provides cash payouts that can be used for the benefit of a severely disabled insured. As the payouts will be paid to the bank account nominated by the insured, insureds or their caregivers will still need to be involved in the process of filing the claim.

    Notwithstanding this, the Government has streamlined the claims process to improve convenience for severely disabled insureds and their caregivers, by increasing the pool of assessors and progressively accepting equivalent disability assessments already conducted by the insured’s care provider. We will also make the claim application process more efficient, for instance, by introducing an electronic application system that severely disabled insureds and their caregivers can access via the internet, and integrating the application for all MOH disability schemes into a single form. We will continue to review how the process can be further simplified, with more experience in administering the scheme.

    9. Do I have to bear the cost of the ElderShield/CareShield Life disability assessment?

    The assessment fee will be waived for the first disability assessment for CareShield Life claims regardless of the claim outcome, and insureds will not need to pay upfront for the assessment.

    For subsequent disability assessment(s), the assessment fee will be reimbursed if the insured is assessed to be severely disabled. The Government will also provide assistance to those who cannot afford to pay the fees upfront. 

    10. Under CareShield Life, do assessors assess an insured’s functional ability before or after the use of assistive devices?

    Under CareShield Life, assessors assess an insured’s ability after the use of basic assistive devices, as this more directly measures the actual amount of assistance the insured needs from a caregiver, to help the insured with his daily activities.

    However, the use of assistive devices is just one of the many considerations that assessors take into account. Other factors taken into consideration include the home and community environment, falls risk, impact of any cognitive impairment etc.

    The Government provides funding for basic assistive devices through assistance such as the Senior’s Mobility Fund. We will review how we can better ensure accessibility to basic assistive devices for individuals who can benefit from them.

    12. My family member is not able to sign on the CareShield Life claim form to authorise his claim as he is mentally incapacitated. What should I do?

    As a caregiver, you may make an application and opt to receive the payouts on behalf of your disabled family member who lacks mental capacity. In order to do so, you will need to be your disabled family’s member deputy appointed by the Court, or donee appointed under a Lasting Power of Attorney (LPA), to manage his property and affairs. This requirement safeguards his interests.

    If your disabled family member does not have a donee or deputy, you can still apply for, and receive payouts on your family member’s behalf. However, to protect the interests of your family member, you will need to apply to be appointed as a deputy by the Court within 12 months of claims approval, failing which the payouts will be re-directed to your family member’s bank account, or suspended until a deputy has been appointed. AIC can provide you with further advice on the process of applying for deputyship.

    13. If I am residing overseas, must I return to Singapore to be assessed for severe disability for ElderShield/CareShield Life claims?

    Overseas Singaporeans are encouraged to return to Singapore to be assessed for severe disability for ElderShield/CareShield Life claims. If this is not possible, the Government will accept disability assessments performed by overseas doctors. This is similar to the process adopted by insurers for ElderShield today.

    14. How do we/I apply to claim for CareShield Life?

    If you are covered under CareShield Life and wish to claim from CareShield Life, you should submit your application via the Agency for Integrated Care (AIC) eServices for Financing Schemes (eFASS) Application Portal using your SingPass.

    15. I am receiving other disability assistance schemes such as Pioneer Generation Disability Assistance Scheme/ Home Caregiving Grant. Can I qualify for CareShield claims?

    The CareShield Life claims criteria is stricter than that of Pioneer Generation Disability Assistance Scheme (PG-DAS) / Home Caregiving Grant (HCG).

    To qualify for PG-DAS and HCG, which are moderate disability schemes, individuals must be assessed to require some assistance with three or more activities of daily living.

    CareShield Life is a severe disability scheme. To make a claim for CareShield Life, the individual must be assessed to be unable to perform three or more activities of daily living (i.e. require significant assistance).

    As the claims criteria for CareShield Life is stricter, insureds who are eligible for CareShield Life claims can automatically receive PG-DAS or HCG payouts without going for a separate assessment (subject to meeting the other non-disability eligibility criteria for these schemes).

    16. Why do I need to wait 90 days before getting my CareShield payouts if I become severely disabled?

    Currently, claimants are contractually required to wait for 90 days from the date of the assessment before receiving the first ElderShield payout, a typical insurance practice known as the “deferment period”. This is intended to ensure that the severe disability is of a long-term nature before payouts are provided.

    ElderShield insurers waive the deferment period for most cases, and selectively impose it where disability statuses are less clear-cut. This practice allows most claimants who are permanently severely disabled to receive their payouts quickly, while still ensuring the sustainability of the scheme.

    The Government intends to continue with this practice for CareShield Life.

    17. Can I use my existing functional assessment report (FAR) that was previously submitted for PioneerDAS and/or Home Caregiving Grant (HCG), to submit a claim for CareShield Life?

    Both PioneerDAS and HCG are moderate disability schemes, while CareShield Life is a long-term care insurance scheme that provides Singapore Citizens and Permanent Residents basic financial protection should an individual become severely disabled. If you are severely disabled and would like to submit a claim for CareShield Life, please arrange for a disability assessment by an MOH-accredited severe disability assessor and submit a claim application to the Agency for Integrated Care (AIC). You can find the list of MOH-accredited severe disability assessors here.

    Alternatively, if you are staying in a nursing home, you may approach your nursing home for assistance to submit the Resident Assessment Form (RAF) in place of the severe disability assessment.

    You will not be able to use the existing Functional Assessment Report (FAR) to make a claim for CareShield Life, as the FAR is used to determine if one needs some assistance, or is fully independent, for each Activity of Daily Living (ADL). It is not intended to capture the degree of assistance required for each ADL.  As such, the FAR is not suitable for application to CareShield Life (a severe disability scheme).

    18. I am currently receiving the CareShield Life payouts. Can I also apply for Home Caregiving Grant (HCG)?

    If you are currently receiving CareShield Life payouts, you may also apply for HCG. Since CareShield Life is a severe disability scheme, you may apply for HCG (moderate disability scheme) without going for a separate disability assessment. However, you would have to meet the other non-disability eligibility criteria for HCG:

    a. Singapore Citizen.
    Permanent Resident can qualify if either a parent, child or spouse is a Singapore Citizen.

    b. Not in a residential long-term care institution (e.g. nursing home).

    c. Lives in Singapore.

    d. Means-tested.
    Household monthly income per person is $2,800 or less; or annual value of property for household without income is $13,000 or less.

    19. I am insured under CareShield Life. However, I am not severely disabled. Can I apply for Home Caregiving Grant (HCG)?

    If you are not severely disabled but require some assistance with at least three (3) out of six (6) ADLs, you may wish to apply for HCG (moderate disability scheme). You have to submit a Functional Assessment Report and meet the other non-disability eligibility criteria for HCG:

    a. Singapore Citizen.
    Permanent Resident can qualify if either a parent, child or spouse is a Singapore Citizen.

    b. Not in a residential long-term care institution (e.g. nursing home).

    c. Lives in Singapore.

    d. Means-tested.
    Household monthly income per person is $2,800 or less; or annual value of property for household without income is $13,000 or less.

    20. Can I submit a claim for both CareShield Life and MediSave Care concurrently?

    Yes, you may. CareShield Life and MediSave Care are not mutually exclusive.

    21. I am severely disabled. Can I use my existing disability assessment to qualify for CareShield Life payouts?

    CareShield Life insureds who have undergone a severe disability assessment by an MOH-accredited severe disability assessor can rely on the assessment to qualify for payouts if the assessment is still valid. Upon receiving the claim application, AIC will check for a valid assessment record and advise the insured accordingly. Insureds who have not undergone a severe disability assessment should make an appointment to undergo an assessment.

  • 1. What is long-term care?

    Long-term care is the personal and medical care needed if an individual becomes disabled due to age or adverse health conditions. It includes a range of services which individuals may choose depending on their care needs and support available, either at home or institutions like nursing homes.

    2. Why is ElderShield/ CareShield Life necessary for Singaporeans' long-term care needs?

    The need for long-term care will rise as Singapore's population ages. 1 in 2 Singaporeans who are healthy at age 65 is expected to become severely disabled by the end of their lives.

    Variation in the duration of severe disability and the accompanying costs of long-term care, coupled with shrinking family sizes in Singapore, make it increasingly challenging to rely solely on personal and family savings to pay for one's long-term care needs. The expected median duration for which severely disabled individuals remain in disability is around 4 years, but 3 in 10 remain in severe disability for 10 years or more.

    Long-term care insurance schemes like ElderShield and CareShield Life help Singaporeans to pool their risks together within their cohort so that each Singaporean within that cohort has basic financial protection against the uncertainty and variability of the cost of long-term care. They complement other long-term care financing sources, such as Government subsidies, Government assistance schemes, community support, personal savings and family support.
     

    3. How much should I set aside for my long-term care needs?

    Long-term care costs will vary across individuals due to differing care needs and arrangements.

    Individuals will also have different financing sources. For instance, Singaporeans with higher incomes will qualify for a lower level of subsidies for their care, and will need to draw more from other financing sources. In addition to existing Government subsidies and assistance schemes, those who require additional funding can also make monthly cash withdrawals of up to $200 from their MediSave savings from 1 October 2020. You can also consider supplementing your basic ElderShield/CareShield Life insurance with private savings or Supplements from the private insurers.

    You are strongly encouraged to plan early and consider your future income, long term care arrangement preferences and how much insurance coverage and personal savings will be needed to finance these arrangements.
     

    4. How do I access long-term care services?

    If you have long-term care needs assessed by qualified healthcare professionals, medical social workers and/or administrative staff at public hospitals and/or Government-funded long-term care service providers can assist you with your referral to long-term care services. They can also assist with your application for Government subsidies for long-term care services, and advise on the subsidy quantum you are eligible for.

    You can also contact the Agency for Integrated Care at 1800-650-6060 or via the AIC website to find out more about long-term care services.
     

    5. Where can I seek advice on financial planning for old age or seek financial assistance for long term care needs?

    If you wish to find out more about long term care services, specific Government subsidies for long-term care services and other Government assistance schemes for long term care that older Singaporeans (age 65 and above) may tap on, you may reach out to the Agency for Integrated Care (AIC) through the AIC website or 1800-650-6060. You can also speak to a Care Consultant at AIC Links located at the public hospitals and Maxwell. For a list of AIC Link locations, visit the AIC website here.

    For Government support schemes specifically for younger, disabled Singaporeans and their caregivers (age 65 and below), you may refer to the website here or speak to SG Enable at 1800-8585-885.

    For more information on retirement planning, Singaporeans can visit the following websites:

    CPF website to learn about CPF schemes.
    Are You Ready? outreach website to understand how CPF savings can support Singaporeans through the key stages of their life and learn how they can work towards a better retirement.

    6. Are we eligible for higher subsidies if I/my family member am/is placed in a nursing home with higher fees?

    For individuals who require nursing home care, the Agency for Integrated Care (AIC) will work closely with the individual and family members to identify a suitable nursing home, taking into account the individual's needs and family's preferences, including financial considerations.

    The Government provides subsidies to help with the costs of long-term care. The amount of subsidies each individual is eligible for is determined by means-testing and is not dependent on the fees charged by the nursing homes. Individuals from lower income households who meet the eligibility criteria will receive higher subsidies under the means-testing framework.

    If you require additional assistance, you can tap on financial assistance schemes such as MediFund. Many nursing homes are also run by voluntary welfare organisations, and they may tap on charitable donations to provide further financial support to their residents after all other means of financial assistance and resources are exhausted.

    7. How do I know how much subsidies I will receive for the long-term care service(s) that I use? How do I know how much subsidies I will receive for the long-term care service(s) that I use?

    Qualified healthcare professionals, medical social workers and/or administrative staff at public hospitals and/or Government-funded long-term care service providers can assist with your application for Government subsidies for long-term care services, and advise on the subsidy quantum you are eligible for.

    8. I have mild or moderate disabilities or I can perform more than 3 Activities of Daily Living (ADLs). How can I get help for my long term care costs?

    If you have mild or moderate disabilities and need long-term care, you can tap on various means-tested Government subsidies and assistance schemes to complement your personal savings and family support.

    Government-funded safety nets such as MediFund or ComCare will provide assistance to you if you are unable to pay for your care after Government subsidies and other means of support. The Government will continue to look at ways to support the needs of Singaporeans with less severe disabilities.

    If you wish to find out more about long-term care services, specific Government subsidies for long-term care services and other Government assistance schemes for long term care that older Singaporeans (age 65 and above) may tap on, you may reach out to the Agency for Integrated Care (AIC) through the AIC website or 1800-650-6060. You can also speak to a Care Consultant at AIC Links located at the public hospitals and Maxwell. Here's the list of AIC Link locations.

  • 1. Who needs to declare their health status under CareShield Life/MediShield Life?

    All new Permanent Resident (PR) applicants who have received In-Principle Approval for their Singapore Permanent Residence application are required to declare their health condition before proceeding to complete Formalities with ICA.

    The health status declared will not affect their application for Singapore Permanent Residence.

    All PR applicants, regardless of age, will be covered under MediShield Life. However, if the PR applicant is found to have serious pre-existing health conditions, he/she may be subjected to Additional Premiums of 30% for MediShield Life for 10 years, because  of his/her higher health risks.

    If the PR applicant is born in 1979 or earlier and obtained permanent residency status on or after 1 Oct 2020, he/she will be insured under CareShield Life if he/she is not severely disabled. 

    2. How do I submit the Health Declaration form for CareShield Life?

    We do not accept the CareShield Life Health Declaration (HD) form via email or fax. Please submit the HD form online here > MediShield Life/CareShield Life Health Declaration for Permanent Resident Applicant, and log in using your SingPass. The HD form will be processed within 3 working days upon receipt of your completed form.

    You may refer to the Online Demo on submission of the e-Health Declaration form. 

    You selected: Declaring for Self

    If you are the Person To Be Insured and you are aged 21 years or older, you can select the option to declare for “Myself” under the section - Selection of Self or Family Member Declaration

    You selected: Declaring for Family Member

    You can get your family member to log in using his/her SingPass to print, upload and submit the health declaration form on your behalf if you are aged 21 years or older but do not have a SingPass.

    Please select the option to declare for “Family Member” under the section - Selection of Self or Family Member Declaration. You will need to know the ICA Reference Number and Date of Birth of the PR applicant.

    *Please note that you will only be covered under CareShield Life if you are 30 years old or older based on your date of birth.

    3. How can I join CareShield Life if I am a foreigner?

    CareShield Life is a long-term care insurance that is applicable only to Singapore Citizens and Permanent Residents.