If you are a Singapore Citizen or Permanent Resident born between 1970 and 1979, covered under the ElderShield 400 scheme and did not develop severe disability, you have been auto-enrolled to CareShield Life from 1 December 2021. You can choose to opt out from CareShield Life by 31 December 2023 if you do not wish to join the scheme.

Those who were not auto-enrolled can choose to join CareShield Life. 

The Government will provide participation incentives of up to $2,500 ($250/year) to Singapore Citizens who join and are covered under CareShield Life by 31 December 2023. Additional participation incentives of $1,500 ($150/year) will also be provided to Merdeka and Pioneer Generation citizens who join and are covered under CareShield Life by 31 December 2023. The participation incentives will be spread equally over 10 years and will be used to offset premiums payable for each year. 

To encourage more Singapore Citizens to join CareShield Life, those who join and are covered between 1 January 2024 to 31 December 2024 will receive participation incentives of up to $1,875 ($187.50/year). Additional participation incentives of $1,125 ($112.50/year) will be provided to Merdeka and Pioneer Generation citizens. 

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 more information on the types of premium support available, you may refer to this page. For information on your personalised premiums and premium support, you may access the CareShield Life Premium Checker e-Service with your Singpass.

If you are unable to perform three or more Activities of Daily Living (i.e. have developed severe disability), you will not be eligible to join CareShield Life.

If you are insured under ElderShield and have not made a claim yet, you may wish to claim from ElderShield instead. Depending on the plan you have, ElderShield provides monthly cash payouts of $300 per month for up to 60 months (under ElderShield 300 plan), or $400 per month for up to 72 months (under ElderShield 400 plan).

If you have received all your ElderShield payouts, you may wish to tap on Government subsidies and various Government assistance schemes (such as the Home Caregiving Grant, ElderFund) for assistance. You may also approach the Medical Social Workers at the health institution you are seeking medical treatment from or your nearest Social Service Office (SSO). For more information on MediFund or ComCare, please visit https://www.moh.gov.sg/cost-financing/healthcare-schemes-subsidies/medifund or http://www.msf.gov.sg/comcare.

If you are unable to perform three or more Activities of Daily Living (i.e. have developed severe disability), and is an ElderShield insured, you should apply to claim under ElderShield so that you can receive your monthly claim payouts in a timely manner.

You will not be eligible for CareShield Life if you have developed severe disability.

If you are born in 1979 or earlier and have pre-existing medical conditions, you can choose to join CareShield Life if you do not develop severe disability. You will not need to pay additional premiums for pre-existing medical conditions.

You may wish to refer to the CareShield Life Premium Checker e-Service to view your premium details and premium support.

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 already have severe disability in the older cohorts is also much higher, which would make it harder to cover everyone while still keeping premiums affordable. Hence, universal coverage is not extended to those born in 1979 or earlier.

Those who are born in 1979 or earlier and who already have severe disability 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.

There is no need to opt out of ElderShield. Your existing ElderShield cover will be upgraded to CareShield Life and the premiums paid for ElderShield will be taken into account.

Simply access the Application to join CareShield Life e-Service using your Singpass and we will notify you on the outcome of your upgrade.

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. 

You can join CareShield Life if you are a Singapore Citizen or Permanent Resident born in 1979 or earlier and do not have severe disability.

If you wish to join CareShield Life, you may access the Application to join CareShield Life e-Service and log in using your Singpass to complete the application. Some applicants may need to undergo a disability assessment. You will be informed if a disability assessment is required.

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.

If you have recovered from your severe disability, you can choose to join CareShield Life. You may be required to go for a disability assessment to determine your eligibility.

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

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.

If you are a Singapore Citizen or Permanent Resident born between 1970 and 1979, you will be automatically enrolled in CareShield Life from 1 December 2021, if you are currently covered under the ElderShield 400 scheme and do not develop severe disability at the point of auto-enrolment. You can opt out of CareShield Life by 31 December 2023 if you do not wish to join the scheme and you will automatically be placed back onto your ElderShield 400 scheme.

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

The Government encourages Singapore Citizens and Permanent Residents born in 1979 or earlier without severe disability to consider joining CareShield Life for basic lifetime financial protection for long-term care. CareShield Life provides monthly cash payout in the event of severe disability, for as long as you are unable to do three or more Activities of Daily Living (ADLs). 

The Government also provides support to help make premiums affordable.

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. Given that premiums increase with age, the annual subsidies for older Singaporeans will also be higher to offset the higher annual premiums. 

The Government will also be providing participation incentives of between $500 ($50/year) and $2500 ($250/year) to encourage those born in 1979 or earlier to join the scheme by 31 December 2023. 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 ($150/year), with the total participation incentives coming up to $4,000 ($400/year). The participation incentives will be spread equally over 10 years and will be used to offset premiums payable for each year. 

To encourage more Singapore Citizens to join CareShield Life, those who join and are covered between 1 January 2024 and 31 December 2024 will receive participation incentives of up to $1,875 ($187.50/year). Additional participation incentives of $1,125 ($112.50/year) will be provided to Merdeka and Pioneer Generation citizens. 

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

For more information on the types of premium support available, you may refer to this page. For information on your personalised premiums and premium support, you may access the CareShield Life Premium Checker e-Service with your Singpass.

To make joining CareShield Life more convenient, you have been auto-enrolled from 1 December 2021, if you are a Singapore Citizen or Permanent Resident born between 1970 and 1979, covered under the ElderShield 400 scheme and did not develop severe disability at the point of auto-enrolment.  You can choose to opt out by 31 December 2023 if you do not wish to join the scheme.

Those who are not auto-enrolled can choose to join CareShield Life. If you are in this group, you will have a 60-day free-look period from the commencement of your CareShield Life coverage, for you to consider your decision.

The Government will provide participation incentives of up to $2,500 ($250/year) to all Singapore Citizens born in 1979 or earlier who join CareShield Life by 31 December 2023. Additional participation incentives of $1,500 ($150/year) will also be provided to Merdeka and Pioneer Generation citizens who join CareShield Life by 31 December 2023. The participation incentives will be spread equally over 10 years and will be used to offset premiums payable for each year. 

To encourage more Singapore Citizens to join CareShield Life, those who join and are covered between 1 January 2024 and 31 December 2024 will receive participation incentives of up to $1,875 ($187.50/year). Additional participation incentives of $1,125 ($112.50) will be provided to Merdeka and Pioneer Generation citizens. 

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 opt out from the scheme.

For more information on the types of premium support available, you may refer to this page. For information on your personalised premiums and premium support, you may access the CareShield Life Premium Checker e-Service with your Singpass.

If you are a foreigner who become a Singapore Citizen or a Permanent Resident from 1 October 2020 onwards, are born in 1979 or earlier and do not develop severe disability, CareShield Life will be mandatory for you.

You can choose to join CareShield Life but you may be required to undergo a disability assessment. You will not be eligible to join CareShield Life if you are unable to do three or more Activities of Daily Living (ADLs).

However, you can tap on Government subsidies and various Government assistance schemes such as Home Caregiving Grant and ElderFund, and MediSave Care 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.

There is no maximum entry age for CareShield Life.

However, as premiums increase with age, you are advised to use the Premium Checker using your Singpass to check your personalised premium payable before applying to join CareShield Life.

You can choose to join CareShield Life if you are a Singapore Citizen or Permanent Resident born in 1979 or earlier and do not have severe disability. Some applicants may need to undergo a disability assessment. You will be informed if a disability assessment is required.

You will not be able to be on both CareShield Life and ElderShield.

However, upgrading to CareShield Life will not affect your ElderShield Supplement plan if you already have one. If you are currently covered under ElderShield, you can upgrade to CareShield Life for higher and lifetime payouts. Your ElderShield coverage will be terminated upon joining CareShield Life. For more coverage, you can also purchase Supplement plans from private insurers.

You can join CareShield Life if you are a Singapore Citizen or Permanent Resident born in 1979 or earlier and do not develop severe disability.

The launch of CareShield life will not affect your existing ElderShield and supplement plans.

However, you are encouraged to consider upgrading your ElderShield to CareShield Life if you do not have severe disability. If you choose to upgrade to CareShield Life, the ElderShield premiums that you have paid will be taken into account when computing your CareShield Life premiums, resulting in lower CareShield Life premiums.

The Supplements will also work with CareShield Life cover and do not need to be terminated.

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.

It was to make it more convenient for Singapore Citizens and Permanent Residents to join CareShield Life. If you were auto-enrolled and do not wish to join the scheme, you can opt out by accessing the Opt-out of CareShield Life e-Service and log in using Singpass to complete the application by 31 December 2023.

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 two out of the six 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. 

You can join or upgrade to CareShield Life if you are a Singapore Citizen or Permanent Resident born in 1979 or earlier and do not have severe disability.

If you join and are covered under CareShield Life by 31 December 2024, you will receive Participation Incentives to help to offset your premiums for 10 years. You will be eligible for Participation Incentives of up to $4,000 ($400/year) if you join by 31 December 2023, and up to $3,000 ($300/year) if you join between 1 January 2024 and 31 December 2024. 

For more information on the types of premium support available, you may refer to this page. For information on your personalised premiums and premium support, you may access the CareShield Life Premium Checker e-Service with your Singpass.

You may be required to undergo a disability assessment prior to joining CareShield Life.  Should you be required to attend a disability assessment, you will receive a letter with instructions on how to do so.

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 that will provide Singapore Citizens and Permanent Residents with some financial protection should one develop severe disability (i.e. unable to perform at least three or more of the six Activities of Daily Living (ADLs)), especially in old age. 

For CareShield Life, Singapore Citizens or Permanent Residents born in 1980 or later will be automatically covered under CareShield Life on 1 October 2020, or when they turn 30, whichever is later. Singapore Citizens or Permanent Residents born in 1979 or earlier can choose to join CareShield Life if they do not develop severe disability. CareShield Life insureds can receive monthly payouts for as long as they are unable to do three or more ADLs. Monthly payout is $649 in 2024 and increases annually until age 67 or when a successful claim is made, whichever is earlier.

For ElderShield, eligible Singapore Citizens and Permanent Residents who had a MediSave Account when they turned 40 years old in 2019 or earlier were automatically covered under ElderShield. Depending on the plan you have, in the event of severe disability, ElderShield provides monthly cash payouts of $300 per month for up to 60 months (under ElderShield 300 plan), or $400 per month for up to 72 months (under ElderShield 400 plan).  

MediShield Life is a basic healthcare insurance plan that protects all Singapore Citizens and Permanent Residents against large medical bills for life.

CPF LIFE is the national longevity insurance annuity scheme, which insures Singapore Citizens and Permanent Residents against the risk of outliving their retirement savings. Under CPF LIFE, members will receive 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 loved ones with permanent moderate disability (i.e. always require some assistance with at least three Activities of Daily Living (ADLs)) who reside in the community. The HCG can be used to defray caregiving expenses, such as the cost of eldercare and 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 (i.e. always require some assistance with at least three ADLs). Applicants must be a Pioneer to be eligible.

Interim Disability Assistance Programme for the Elderly (IDAPE) offers a monthly cash assistance of up to $250 to needy elderly Singapore Citizens living in Singapore who are needy, have developed severe disability and are unable to join ElderShield when it was launched in 2002 either because they had exceeded the maximum entry age or had pre-existing disabilities. 

ElderFund is a discretionary government assistance scheme providing monthly cash assistance of up to $250 to lower-income Singapore Citizens, aged 30 and above, who have developed severe disability and are not able to benefit from CareShield Life, ElderShield and Interim Disability Assistance Programme for the Elderly (IDAPE), and have low MediSave balances and inadequate personal savings to meet their long-term care needs.

Please select the age group you belong to. 

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 top-up 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 the Change Premium Payer e-Service and log in using his/her own Singpass to complete the “Change Premium Payer” transaction.

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

An independent council has been set up to regularly review and recommend premium and payout adjustments for CareShield Life, in accordance with an actuarially sound adjustment framework.

Should the amount of claims be lower than expected, the council could recommend adjustments to future payouts and premiums (e.g. to reduce the rate of premium increases, or even lower the premiums). Conversely, if the amount of claims is higher than expected, the council could recommend adjustments (e.g. increase the rate of premium increases) to make the scheme more sustainable. A premium rebate is one possible mechanism within this framework.

Please contact an MOH-accredited assessor to schedule your disability review. Your letter will include instructions on how to attend a disability assessment.

If you need further assistance, please contact AIC at 1800 650 6060 or submit an enquiry via “My Correspondences” at https://efinance.aic.sg with your Singpass Login.

The ElderShield premiums will be refunded if you join CareShield Life and your CareShield Life commencement date is in the same year as your ElderShield policy renewal.

For example, if you paid ElderShield Premiums in September 2021 (for your ElderShield policy renewal in 2021), and later joined CareShield Life in December 2021, the ElderShield premiums you have paid in September 2021 will be refunded to you.

The refund of ElderShield premiums (if any) will take place upon collection of the first CareShield Life premium.

You may view the status of your application via the My Transactions e-Service (Singpass login is required).

We will notify you on the outcome in approximately seven working days if your application has been approved, unsuccessful or pending assessment. You will be notified via the e-mail address that you have registered with a government agency (e.g. Singpass). If there is no e-mail address registered, an SMS will be sent instead.

A letter will only be sent out if both e-mail address and mobile number are unavailable.

Please apply for Singpass via the Singpass website. Alternatively you may contact the Singpass Helpdesk at support@singpass.gov.sg or 65 6643 0555.

Thereafter, you can apply to join CareShield Life with your Singpass

Your CareShield Life premium will be automatically deducted from your or your payer’s MediSave within two months from your policy start date. Please ensure you have sufficient funds in your MediSave for CareShield Life premium payment.

Coverage status will be reflected as 'Active' only after successful premium deduction (about two months from your approved date).

However, please be assured that you will still be eligible for claims while your coverage status is 'Waiting for Cover'.

The information will be displayed after successful premium deduction.

Nevertheless, please be assured that once your application has been approved, that would be your policy start date and you will be eligible to claim if the onset of severe disability falls on or after that date.

As your CareShield Life application has been approved, you will be eligible to claim if the onset of severe disability falls on or after your CareShield Life policy start date. This applies even if the premiums have not been deducted. 

Should you wish to claim from CareShield Life, you can submit your application via the Agency for Integrated Care (AIC) eServices for Financing Schemes (eFASS) Application Portal using your Singpass.

Government subsidies are provided for CareShield Life as it is a mandatory scheme for Singapore Citizens and Permanent Residents born in 1980 or after, unlike ElderShield which is optional.

While CareShield Life is also optional for those born before 1979, they would not be able to cancel their CareShield Life cover after the 60-days free-look period. Premium subsidies are provided to help the lower- to middle-income pay their CareShield Life premiums. On the other hand, ElderShield policyholders have the option to opt out or cancel their policy anytime.

Participation Incentive is only extended to Singapore Citizens (SCs). However, both SCs and Permanent Residents (PRs) will be entitled to Government subsidies, if you are from a lower- to middle-income household. PRs enjoy half the applicable subsidies that SCs enjoy.

Your application to opt out of CareShield Life will be processed after one working day. You will receive a notification once your application has been processed.

You may view the status of your application via My Transactions e-Service (Singpass login is required).

You will not be able to opt out from CareShield Life after the applicable opt-out/free-look period. If you choose to opt out of CareShield Life within the applicable opt-out/free-look period, you will be given a full premium refund after one working day. If you were covered by ElderShield prior to your enrolment into CareShield Life, you will be automatically placed back onto your original ElderShield scheme. 

You may view the refund made to your MediSave via Transaction History at cpf.gov.sg (Singpass login is required).

The Total Participation Incentives you are eligible for will be spread equally over 10 years and will be used to offset the annual premium payable in that year. 

For Singapore Citizens who join and are covered under CareShield Life by 31 December 2023:

You will still be eligible for Participation Incentives of up to $4,000 even if you have previously opted out, as long as you are a Singapore Citizen who joins and are covered under CareShield Life by 31 December 2023. 

For Singapore Citizens who join and are covered under CareShield Life between 1 January 2024 and 31 December 2024:

You may also access the CareShield Life Premium Checker e-Service with your Singpass for information on your personalised premiums and premium support, which includes the participation incentives you are eligible for.

These Participation Incentives will not apply if you join and are covered under CareShield Life after 31 December 2024. Therefore, you are encouraged to apply to join CareShield Life early if you are planning to do so.

Your family member’s Singpass will be required to sign up for CareShield Life.

You can guide your family member to use his/her Singpass to apply for CareShield Life by accessing cpf.gov.sg/CSLeServices > Application to join CareShield Life e-Service. Some applicants may need to undergo a disability assessment. Your family member will be informed by Agency for Integrated Care (AIC) if a disability assessment is required, after his/her application.

If they are facing difficulties you can accompany them to the Community Clubs/Centres or CPF Service Centres to sign up.

It depends on whether you will be required to undergo a disability assessment as part of the underwriting process. 

If you are not required to undergo a disability assessment by the Agency for Integrated Care (AIC) and apply to join CareShield Life using our eService by 31 December 2023, you will be eligible for Participation Incentives of up to $4,000.

If you are required to undergo a disability assessment by AIC and attend your disability assessment after 31 December 2023, you will not be eligible for the Participation Incentives of up to $4,000 as your application will only be approved as per your disability assessment date. 

Therefore, you are encouraged to apply to join CareShield Life early if you are planning to do so.

You will be eligible for Participation Incentives of up to $4,000 even if you have previously opted out, as long as you are a Singaporean Citizen who joins and are covered under CareShield Life by 31 December 2023. 

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 is unable to do three or more Activities of Daily Living (ADLs);

2. Increasing monthly payouts, at $649/month in 2024 and increases annually until age 67 or when a successful claim is made, whichever 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 have developed severe disability.

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.

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

Please note that if you are a foreigner who become a Singapore Citizen or a Permanent Resident from 1 October 2020 onwards, is born in 1979 or earlier and do not develop severe disability, CareShield Life will be mandatory for you.

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.

If you are born after 1990, you will receive a CareShield Life welcome package about two months before your 30th birthday.

Under CareShield Life, premiums paid by insureds are designed to be risk-pooled within their own generation and used to cover their claims in the event of severe disability.

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 have developed severe disability.

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

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.

There are various support schemes for families who need support for their loved ones who are younger than the starting age (of 30) for CareShield Life but have developed severe disability, 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.

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 monthly 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.

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 are unable to do three or more Activities of Daily Living (ADLs).

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.

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.

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 are unable to do three or more Activities of Daily Living (ADLs).

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.

CareShield Life will provide monthly 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.

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 develops disability 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 develops severe disability 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.

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 October 2020 or when you turn 30 years old, whichever is later.

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.

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 that will provide Singapore Citizens and Permanent Residents with some financial protection should one develop severe disability (i.e. unable to perform at least three or more of the six Activities of Daily Living), especially in old age. 

For CareShield Life, Singapore Citizens or Permanent Residents born in 1980 or later will be automatically covered under CareShield Life on 1 October 2020, or when they turn 30, whichever is later. Singapore Citizens or Permanent Residents born in 1979 or earlier can choose to join CareShield Life if they do not develop severe disability. CareShield Life insureds can receive monthly payouts for as long as they are unable to do three or more ADLs. Monthly payout is $649 in 2024 and increases annually until age 67 or when a successful claim is made, whichever is earlier.

For ElderShield, eligible Singapore Citizens and Permanent Residents who had a MediSave Account when they turned 40 years old in 2019 or earlier were automatically covered under ElderShield. Depending on the plan you have, in the event of severe disability, ElderShield provides monthly cash payouts of $300 per month for up to 60 months (under ElderShield 300 plan), or $400 per month for up to 72 months (under ElderShield 400 plan).  

MediShield Life is a basic healthcare insurance plan that protects all Singapore Citizens and Permanent Residents against large medical bills for life.  

CPF LIFE is the national longevity insurance annuity scheme, which insures Singapore Citizens and Permanent Residents against the risk of outliving their retirement savings. Under CPF LIFE, members will receive 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 loved ones with permanent moderate disability (i.e. always require some assistance with at least three Activities of Daily Living (ADLs)) who reside in the community. The HCG can be used to defray caregiving expenses, such as the cost of eldercare and 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 (i.e. always require some assistance with at least three ADLs). Applicants must be a Pioneer to be eligible. 

Interim Disability Assistance Programme for the Elderly (IDAPE) offers a monthly cash assistance of up to $250 to needy elderly Singapore Citizens living in Singapore who are needy, have developed severe disability and are unable to join ElderShield when it was launched in 2002 either because they had exceeded the maximum entry age or had pre-existing disabilities. 

ElderFund is a discretionary government assistance scheme providing monthly cash assistance of up to $250 to lower-income Singapore Citizens, aged 30 and above, who have developed severe disability and are not able to benefit from CareShield Life, ElderShield and Interim Disability Assistance Programme for the Elderly (IDAPE), and have low MediSave balances and inadequate personal savings to meet their long-term care needs.

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

An insured’s CareShield Life policy will be terminated when he/she passes away. Any premiums paid will refunded to the premium payer’s MediSave if the insured passes away within the first 60 days of the first policy year. No premium refund will be made thereafter.

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

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.

Please select the age group you belong to. 

The insured’s CareShield Life policy will be automatically terminated and any premiums paid will be refunded to the premium payer’s MediSave if it is within the first 60 days of the first policy year. No premium refund will be made thereafter.

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

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

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

Monthly payout is $649 in 2024, and 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, develops severe disability and makes a claim in 2024, he/she can potentially receive $649 per month, for the entire duration of severe disability. However, if a 30-year-old individual joined CareShield Life in 2020, and develops severe disability 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.

For an insured (born in 1954 and earlier) who joined the scheme at age 67 or after, his/her monthly payout will be fixed at $612/month when a successful claim is made.

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 has been 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 monthly 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.

*2% increase of premiums per year excludes GST.

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.

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 assist Singaporeans with 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. 

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. 

There are no special benefits for pensioners under CareShield Life. Participation in CareShield Life is optional for you, and you can join CareShield Life if you do not develop severe disability. If you are interested in CareShield Life, you may access the CareShield Life Premium Checker e-Service with your Singpass for information on your personalised premiums and premium support.

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.

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. 

Monthly cash payouts under CareShield Life will provide more flexibility for individuals with severe disability and their caregivers to decide on their desired care arrangements. This is to ensure that they are not limited to certain long-term care services to be eligible to 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.

CareShield Life is designed to provide basic financial protection against long-term care costs through monthly cash payouts to insureds with severe disability to cover their 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.

CareShield Life is intended to be a universal long-term care insurance scheme and part of Singapore’s social safety net for Singapore Citizens and Permanent Residents. Those who renounce their Singapore Citizenship or Permanent Resident status will lose their CareShield Life cover.

This approach differs from ElderShield scheme as ElderShield is not a universal scheme, and there is no Government support provided in the form of premium subsidies and incentives.

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

• Means-tested premium subsidies of up to 30% of premiums of CareShield Life, to help lower- to middle-income households.

• Transitional subsidies for the first five years from launch of CareShield Life for Singapore Citizens born in 1980 or later, to ease their transition into the scheme.

• Participation incentives of up to $2,500 ($250/year) for Singapore Citizens who join and are covered by 31 December 2023, and up to $1,875 ($187.50/year) for those joining and being covered between 1 January 2024 and 31 December 2024. The participation incentives will be spread equally over 10 years and will be used to offset premiums payable for each year. 

• Additional participation incentives of $1,500 ($150/year) will be provided for Merdeka and Pioneer Generation citizens who join and are covered by 31 December 2023, and $1,125 ($112.50/year) for those joining and being covered between 1 January 2024 and 31 December 2024. The participation incentives will be spread equally over 10 years and will be used to offset premiums payable for each year.

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.

For more information on the types of premium support available, you may refer to this page. For information on your personalised premiums and premium support, you may access the CareShield Life Premium Checker e-Service with your Singpass.

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.

*2% increase of premiums per year excludes GST.

To provide greater assurance to Singaporeans, for the first five years of scheme implementation, payouts and premiums* will both increase by 2% per year.

*2% increase of premiums per year excludes GST.

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.

*2% increase of premiums per year excludes GST.

For those born in 1980 or later, starting premiums vary by joining age and sex. 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 (excluding GST). 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.

*2% increase of premiums per year excludes GST.

You may wish to refer to the CareShield Life Premium Checker e-Service to view your premium details and premium support.

For those born in 1979 or earlier, your premium may have two components:

1. Base premium

All those born in 1979 or earlier and who join CareShield Life will pay a base premium. Base premiums are paid from the age you join until age 67, or for a period of 10 years for those who join at age 59 or older from 6 November 2021.

ElderShield 400 insureds who have been consistently on the scheme will only need to pay the base premium component if they join CareShield Life by 31 December 2021. 

Base premiums are designed to increase regularly to support the regular increase in payouts but will remain flat after age 67 if they remain payable. From 2020 to 2025, the increase is 2% per year (excluding GST). Beyond that, premium and payout adjustments will be recommended by an independent CareShield Life Council, in accordance with an actuarially sound adjustment framework.

2. Catch-up Component

You will need to pay a catch-up component, on top of the base premium, if:

i. You are an existing ElderShield 300 insured.
ii. You are not insured under ElderShield or have opted into ElderShield late.
iii. You are an existing ElderShield 400 insured who joined CareShield Life later (from 1 January 2022 onwards).
iv. Your ElderShield 300/400 policies have become reduced 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).

This is because you would not have paid as much premiums as those in the same cohort who had been consistently insured under the ElderShield 400 scheme and joined CareShield Life earlier. 

The catch-up component will also be applicable to foreigners who become Singapore Citizens/Permanent Residents from 1 October 2020 onwards.

The catch-up component is a flat amount paid over across 10 years and is paid on top of the base premium.

ElderShield premiums that ElderShield 300/400 insureds have already paid will be taken into account when computing their CareShield Life premiums. 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.

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.

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 have been consistently on an ElderShield policy (i.e. never opted out, or upgraded from ElderShield 300 to ElderShield 400 in 2007 when you had the chance to) and join CareShield Life by 31 December 2021, you will only pay the base premium each year.

You will need to pay a catch-up component, on top of the base premium, if:

i. You are an existing ElderShield 300 insured.
ii. You are not insured under ElderShield or have opted into ElderShield late.
iii. You are an existing ElderShield 400 insured who joined CareShield Life later (from 1 January 2022 onwards).
iv. Your ElderShield 300/400 policies have become reduced 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).

This is because you would not have paid as much premiums as those in the same cohort who are covered under the ElderShield 400 scheme and joined CareShield Life earlier. The catch-up component will be paid over 10 years and will remain a flat amount.

The catch-up component will also be applicable to foreigners who become Singapore Citizens/Permanent Residents from 1 October 2020 onwards.

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. 

You will need to pay a catch-up component, on top of the base premium, if:

i. You are an existing ElderShield 300 insured.
ii. You are not insured under ElderShield or have opted into ElderShield late.
iii. You are an existing ElderShield 400 insured who joined CareShield Life later (from 1 January 2022 onwards).
iv. Your ElderShield 300/400 policies have become reduced 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).

The catch-up component will also be applicable to foreigners who become Singapore Citizens/Permanent Residents from 1 October 2020 onwards.

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.

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.

You may wish to refer to the CareShield Life Premium Checker e-Service to view your premium details and premium support.

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.

You may wish to refer to the CareShield Life Premium Checker e-Service to view your premium details and premium support.

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.

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 joining CareShield Life will face higher annual premiums as they have fewer years to spread their premium payments as compared to younger cohorts. Older cohorts also have a higher risk of developing severe disability.

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, spread over the first 10 years of their policy if they join and are covered under CareShield Life by 31 December 2024. Participation Incentives of up to $4,000 ($400/year) will be provided to those who join and are covered by 31 December 2023, and up to $3,000 ($300/year) for those who join and are covered before 31 December 2024. The participation incentives will be spread equally over 10 years and will be used to offset premiums payable for each year.

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.

For more information on the types of premium support available, you may refer to this page. For information on your personalised premiums and premium support, you may access the CareShield Life Premium Checker e-Service with your Singpass.

CareShield Life provides the same amount of expected benefits per dollar of premium paid for both women and men over their lifetimes. Compared to men, women generally live longer and have higher chances of developing severe disability, hence they are likely to receive longer CareShield Life coverage and more payouts over their lifetime. As men and women pay premiums for CareShield Life for the same number of years, the annual premiums for women need to be higher to account for their longer expected duration of payout over their lifetime.

We will provide support to lower-income women through the existing social support schemes for lower-income Singaporeans. For CareShield Life, the Government will also provide premium subsidies and support based on one’s financial circumstances to ensure that premiums are affordable.

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.

The Basic Healthcare Sum (BHS) is an estimate of what you need for your basic subsidised healthcare expenses 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.

While you are not required to top up your MediSave if you do not meet the BHS, you and your family members are strongly encouraged to consider doing so.

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.

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 $25,000 will be eligible for means-tested 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.

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.

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.

Additional Premium Support (APS) 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.

This is to ensure that no Singaporeans will lose coverage due to financial difficulties.

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 CareShield Life/ElderShield. You will also not be eligible for APS if you are paying the premiums of someone else’s Integrated Shield Plan and/or Supplements under CareShield Life/ElderShield.

An individual’s Additional Premium Support (APS) status will be shared across both CareShield Life and MediShield Life scheme. Therefore, MediShield Life insureds who are receiving APS will automatically receive APS for CareShield Life if it is within their APS validity period.

You will be notified in your premium notification letter of your APS status.

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.

You may view  the top-up you made to your MediSave via Transaction History at cpf.gov.sg (Singpass login is required).

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

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

Alternatively, a family member* can apply to take over as your premium payer using his/her MediSave. To do so, he/she may visit the Change Premium Payer e-Service and log in using his/her own Singpass to complete the “Change Premium Payer” transaction.  

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

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

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

Your CareShield Life premiums will be automatically deducted from your MediSave.  In the event of insufficient savings in the MediSave for premium payment, you can top up your MediSave 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”). 

Alternatively, a family member* can apply to take over as your premium payer using his/her MediSave. To do so, he/she may visit the Change Premium Payer e-Service and log in using his/her own Singpass to complete the “Change Premium Payer” transaction.  

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

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.

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

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 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.

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.

If you have developed severe disability 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 have developed severe disability in the first policy year. 

Premium payment will resume if you no longer develop severe disability.

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.

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.

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

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 the Change Premium Payer e-Service and log in using Singpass to complete the application.

Alternatively, you/your family member may top up to your or his/her MediSave via CPF e-Cashier (select “Contribute to My MediSave”).

If you are paying for your family members’ CareShield Life premiums, you can view the details via Policies I Am Paying For.

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.

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.

Similar to MediShield Life, CareShield Life premium collection will be deferred till end 2021 for those with insufficient MediSave and are unable to pay their premiums.

You need to resume paying your CareShield Life premiums after the deferment period. 

To pay for your CareShield Life premium, you can make a top-up via CPF e-Cashier (select “Contribute to My MediSave”) or ask a family member to take over as your premium payer using his/her MediSave. To do so, he/she may visit the Change Premium Payer e-Service and log in using his/her own Singpass to complete the “Change Premium Payer” transaction.  

If you are unable to pay the premiums and have limited family support, we encourage you to apply for Additional Premium Support (APS). 

To ensure sustainability and affordability of CareShield Life, an independent CareShield Life Council, which comprises 14 members from a variety of fields, such as accountancy, actuarial science, investment, medicine, law, union, and government, will consider the prevailing trends and regularly advise the Government on adjusting the premiums and payouts in line with an actuarially sound adjustment framework. 

Hence, the Government is unable to provide the total CareShield Life premiums payable for the full premium payment term, as actual future premiums and payouts will vary depending on the regular adjustments. 

However, to provide Singaporeans with greater assurance and certainty, CareShield Life premiums* and payouts increment have been fixed at 2% per year for the first five years of scheme implementation. The Government will also publish any relevant information on the premiums and payouts adjustment when available.

*2% increase of premiums per year excludes GST.

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

Alternatively, a family member* can apply to take over as your premium payer using his/her MediSave. To do so, he/she may visit the Change Premium Payer e-Service and log in using his/her own Singpass to complete the “Change Premium Payer” transaction.  
*Family member refers to the insured’s spouse, parents, children, siblings, or grandchildren.

The Government will provide several premium support measures for those born in 1979 or earlier to ensure that CareShield Life premiums are affordable:

• 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 ($250/year) for Singapore Citizens who join and are covered by 31 December 2023, and up to $1,875 ($187.50/year) for those joining and being covered between 1 January 2024 and 31 December 2024. Participation incentives will be spread equally over 10 years and used to offset premiums payable for each year.

• Additional participation incentives of $1,500 ($150/year) for Merdeka and Pioneer Generation citizens who join and are covered by 31 December 2023, and $1,125 ($112.50/year) for those joining and being covered between 1 January 2024 and 31 December 2024. The participation incentives will be spread equally over 10 years and will be used to offset premiums payable for each year.

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. 

For more information on the types of premium support available, you may refer to this page. For information on your personalised premiums and premium support, you may access the CareShield Life Premium Checker e-Service with your Singpass.

Your CPF account will be automatically created when you  make a top-up to MediSave using cash via CPF e-Cashier with your Singpass (select “Contribute to My MediSave”).

Alternatively, other family members* can apply to take over as your premium payer using his/her MediSave. To do so, he/she may visit the Change Premium Payer e-Service and log in using his/her own Singpass to complete the “Change Premium Payer” transaction.  

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

Those who are unable to afford their CareShield Life premiums even after premium subsidies and have limited family support will be invited to apply for Additional Premium Support. No one will lose coverage under CareShield Life due to an inability to pay premiums.

Your caregiver will not automatically become the payer for your CareShield Life premiums. 

Caregivers can apply to take over as the family member’s* premium payer using his/her MediSave. To do so, he/she may visit the Change Premium Payer e-Service and log in using his/her own Singpass to complete the “Change Premium Payer” transaction.  

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

CareShield Life premiums are calculated such that each age cohort of insureds pay sufficient premiums to support their expected payouts as a cohort. This ensures the long-term sustainability of the insurance fund. 

While CareShield Life insureds are younger, premiums collected are naturally more than payouts in that year due to fewer claims. However, the premiums collected will be carried over to support the payouts in the event of severe disability in the future.

Going forward, an independent CareShield Life Council will regularly review factors like changes in claims experience and longevity and advise the Government on premium 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. 

CareShield Life is managed by the Government on a not-for-profit basis. Any excess premiums will be used to benefit insureds and there are legal safeguards to ensure the Government cannot divert CareShield Life and ElderShield Insurance Fund monies for non-prescribed uses.

CareShield Life premiums are inclusive of the prevailing GST rate.

In Budget 2022, the Minister for Finance announced that the GST rate will be increased from 7% to 8% with effect from 1 January 2023 and from 8% to 9% with effect from 1 January 2024. As GST is levied on CareShield Life premiums at the prevailing GST rate, the premiums will increase accordingly.

You will be able to view your personalised premiums and subsidies via the CareShield Life Premium Checker e-Service.

We have a broad-based Goods and Services Tax (GST) system, with minimal exemptions as this approach helps to keep the GST rate relatively low. GST is a tax on domestic consumption of goods and services, and is payable on insurance contracts such as health, motor, and fire insurance. GST is therefore payable on premiums for CareShield Life. 

The Government has announced the enhanced Assurance Package for GST to cushion the impact of the planned GST increase for at least 5 years for most Singaporean households. This includes MediSave top-up of $150 each year from 2023 to 2025, for Singaporeans aged 20 years and below, or 55 years old and above, which may be used to offset the premium increase.

The Assurance Package for GST also includes cash payouts of $700 to $1,600 over five years, for all Singaporeans aged 21 years and above.

Older Singaporeans aged 65 and above, whose residential address is a property that does not exceed an Annual Value of $21,000 and who own only one property will also continue to receive an annual MediSave top-up of up to $450. This is beyond the transitional support covered by the Assurance Package.  

The disbursement of social support schemes (e.g. CareShield Life Premium Subsidies, MediShield Life Premium Subsidies) will not be affected by the revision of Annual Values (AVs) in 2024 as AVs as of 2023 will be used to determine scheme eligibility in 2024. The Government will continue to review our social support schemes to ensure that Singaporeans in need of support receive it. 

If you are 59 and above when you join CareShield Life, you will have to pay premiums over 10 years.

If you are 58 and below when you join CareShield Life, you will have to pay premiums until you reach age 67 (inclusive of the year you turn age 67). Thereafter, you will no longer need to pay for CareShield Life premiums.

CareShield Life premiums (excluding GST) will gradually increase by 2%* each year and will stop increasing when you reach 67. If you joined CareShield Life when you are 58 or younger, you won’t have to pay premiums after you reach 67. However, if you joined CareShield Life at 59 or older, you won’t have to pay premiums after 10 years.

It is important to note that if you make a successful claim with CareShield Life, your premium payments will be waived during the time you are receiving payouts.

*The payouts will increase at 2% each year until 2025 where it will be reviewed further.

The CareShield Life Premium Checker  allows individuals to view their personalised CareShield Life premiums and subsidies for the current policy year, and their estimated premiums and subsidies for upcoming policy years.

If you are born in 1945 or earlier, you will face higher annual CareShield Life premiums as you have fewer years to spread your premium payment over, as compared to younger cohorts. Older cohorts also have a higher risk of developing severe disability. 

If you have recently submitted an appeal for CareShield Life Premium Subsidies, your appeal may still be processing and the outcome may not be reflected here. If you require assistance with your latest appeal or form submission, please contact us at Write to us or call the Healthcare Hotline at 1800-222-3399.

The information reflected on the CareShield Life Premium Checker e-Service is based on the latest information available while the information reflected in your welcome letter is accurate as at the date reflected on the first page of your welcome letter. The information may differ if you have recently submitted an appeal for CareShield Life Premium Subsidies, and the appeal was successful. Otherwise, there should not be any changes in your premium information and do contact us at 1800-222-3399 to allow us to investigate further.

You can access the CareShield Life Premium Checker after logging in via your Singpass.

If you decide to allow access to your financial information for the purpose of CareShield Life Premium Subsidies eligibility checks, please visit here and click "login to access your household information". If you need further assistance, please call the Healthcare Hotline at 1800-222-3399 (after selecting your preferred language, press 3, and then 2).

One of your household member has submitted changes to your household information, and we are in the midst of processing the request. As such, you were unable to make changes to your household information.
Please contact us at Write to us or call the Healthcare Hotline at 1800-222-3399 (after selecting your preferred language, press 3, and then 2) if you need more information.

If one of your household members has decided not to allow access to his/her financial information for eligibility checks for CareShield Life Premium Subsidies and any applicable CareShield Life assistance measures, we will not be able to calculate the household's eligibility for CareShield Life Premium Subsidies. As such, we are unable to extend any CareShield Life Premium Subsidies and any applicable assistance measures to all members of your household.

Please discuss with your household member if you have concerns regarding his/her disclosure status. If your household member now wishes to allow access to his financial information, please call the Healthcare Hotline at 1800-222-3399 (after selecting your preferred language, press 3, and then 2) or visit here and click “login to access your household information”.
 

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.

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.

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”.

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.

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

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.

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).

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.

The administrators will collect and use disability-related healthcare data from healthcare institutions, and confidential information in the possession of other Government departments or public authorities such as address, contact details, and bank account information.  

This will enable the administrators to proactively inform individuals with severe disability that they are eligible for claims and increase their convenience by pre-filling information such as bank account information in the application form. The administrators will also be able to check for the eligibility of an individual from the existing cohorts for auto-enrolment.   

Given the sensitivity of health information, individuals may opt out of the collection of health information, if they wish to, with some loss in convenience as they may be required to attend a separate disability assessment to receive a claim for CareShield Life/ElderShield or to join CareShield Life.

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.

With the insured’s consent, the disability assessment data will be shared with relevant Supplement insurers to avoid the need for patients to undergo multiple assessments.

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.

CareShield Life, a long-term care insurance works by pooling together premiums paid by insureds in their younger years while most are still working. The premiums collected will be placed into the CareShield Life and ElderShield Insurance Fund (CEIF) and invested, so that there are sufficient funds for payout in old age, when insureds are no longer paying premiums and are more likely to suffer from severe disability. 

The CEIF will be administered by the Central Provident Fund Board and audited annually by an independent external auditor to ensure that all the monies are accounted for. 

Similar to MediShield Life, the Central Provident Fund Board’s annual report will include the financial information of the CareShield Life and ElderShield Insurance Fund. The annual reports will be made available on the Board’s website. The Government will also publish relevant information on the premiums collected and payouts made for the CEIF on an annual basis.

The CareShield Life Council will independently oversee the CareShield Life scheme and provide advice/recommendations to the Minister for Health on matters such as the investment of the CEIF, and sustainability and affordability of CareShield Life.

Under the new severe disability assessment framework and revised training curriculum, assessors will be guided more explicitly on the aspects to consider if an applicant is suspected to be cognitively impaired. As assessors are better equipped to take into account the impact of cognitive impairment on an applicant’s functional abilities, cognitively impaired applicants with higher levels of functional impairment will more consistently qualify for severe disability scheme(s).  

Applicants with dementia or other cognitive impairments will still need to undergo a disability assessment in order to qualify for severe disability scheme(s) payouts, as dementia/cognitive impairment could affect the applicant’s functional abilities to varying extents. The ElderShield disability assessment form today states that an individual’s cognitive capacity should be taken into consideration when an assessor is assessing ADL 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.

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 CareShield Life/ElderShield claims criteria of being unable to perform three or more of the six 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.

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.

Applicants with dementia or other cognitive impairments will not automatically qualify for CareShield Life/ElderShield claims and will still need to undergo a severe disability assessment, as dementia/cognitive impairment could affect the applicant’s functional abilities to varying extents.

CareShield Life/ElderShield insureds with severe disability 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 the applicant meets the CareShield Life/ElderShield criteria of being unable to perform three or more of the six Activities of Daily Living (ADLs). We have expanded the list of accredited assessors to include therapists and nurses who have been trained.

All MOH-accredited assessors have undergone a rigorous training programme to learn how to assess a Patient’s level of disability. Through the training, assessors are equipped to assess an individual’s ability to perform the six ADLs, including 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 any individual’s functional ability fluctuates over 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.

The Government is also looking into recognising equivalent assessments that have been performed by a qualified healthcare professional (doctor, occupational therapists, physiotherapists, and registered nurses) providing care to the patient. In such cases, the patient need not undergo a separate severe disability assessment. Today, those who are staying in a nursing home can already approach their nursing home for assistance to submit the Resident's Assessment Form in place of the severe disability assessment.

MOH and AIC will progressively roll out the use of such equivalent assessments and will make the information available via MOH and AIC website.

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

CareShield Life/ElderShield provides monthly cash payouts that can be used for the benefit of an insured with severe disability. 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 insureds with severe disability and their caregivers, by increasing the pool of assessors and progressively accepting equivalent disability assessments already conducted by the insured’s care provider. We have also made the claim application process more efficient, for instance, by introducing an electronic application system that insureds with severe disability and their caregivers can access via the internet. The portal, accessible via https://efinance.aic.sg, integrates the application for all MOH disability schemes into a single form. We will continue to review how the process can be further simplified, as we gain more experience in administering the scheme.

The fees for clinic-based and non-clinic-based severe disability assessments are $100 and $250 respectively.

If you are applying for CareShield Life
The assessment fee will be waived for the first severe disability assessment for CareShield Life claims, regardless of the assessment outcome. Otherwise, assessment fees will be reimbursed if the insured is assessed to have developed severe disability.

If you are applying for other severe disability schemes i.e. ElderFund, ElderShield, IDAPE, MediSave Care
The MOH-accredited severe disability assessor will conduct the severe disability assessment and collect an assessment fee from you. Assessment fees will be reimbursed if you are assessed to have developed severe disability.

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.

You can find the list of MOH-accredited severe disability assessors at the AIC’s website.

As a caregiver, you may make an application and opt to receive the monthly payouts on behalf of your family member who develops severe disability and lacks mental capacity. In order to do so, you will need to be your family member's 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 family member with severe disability does not have a donee or deputy, you can still apply for, and receive payouts on your family member’s behalf. However, to protect 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.

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.

Pioneer Generation Disability Assistance Scheme (PioneerDAS) and Home Caregiving Grant (HCG) are moderate disability schemes, where the individual only needs to always require some assistance with three or more Activities of Daily Living. CareShield Life and ElderShield are severe disability schemes, where the individual needs to be unable to perform three or more Activities of Daily Living (i.e. require significant assistance) in order to make a claim.  

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

Currently, CareShield Life/ElderShield claimants are contractually required to wait for 90 days from the date of the assessment before receiving the first CareShield Life/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. The Government waives the deferment period for most cases, and selectively impose it where disability statuses are less clear-cut. This practice allows most claimants who develop permanent severe disability to receive their monthly payouts expeditiously, while still ensuring the sustainability of the scheme.

To qualify for severe disability schemes, an individual will need to be assessed by an MOH-accredited severe disability assessor to be unable to perform three or more of the six Activities of Daily Living (ADLs). The severe disability assessors use a different assessment tool from the FAR that enables them to capture the degree of assistance required for each ADL. To use this tool, an assessor has to undergo a rigorous training programme and be accredited by MOH. 

The FAR on the other hand is used to determine if one needs some assistance, or is fully independent, for each ADL. It is not intended to capture the degree of assistance required for each ADL. As such, the FAR is not suitable for severe disability scheme applications. However, the FAR can be used if you are only applying for mild and/or moderate disability schemes such as the Pioneer Generation Disability Assistance Scheme or Home Caregiving Grant (HCG).

Yes, you may apply for Home Caregiving Grant (moderate disability scheme) without going for a separate disability assessment. However, you would have to meet the following non-disability eligibility criteria.

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.

If you have not developed severe disability but require some assistance with at least three out of six Activities of Daily Living (ADLs), you may apply for Home Caregiving Grant (moderate disability scheme) should you meet the following non-disability eligibility criteria:

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.

To apply, you should visit a General Practitioner or arrange with your care provider to obtain a Functional Assessment Report and submit an application to the Agency for Integrated Care (AIC).

You may submit a claim for both schemes concurrently. CareShield Life/ElderShield and MediSave Care are not mutually exclusive.

Individuals who wish to apply for CareShield Life/ MediSave Care/ ElderFund/ IDAPE/ ElderShield payouts will need to undergo a severe disability assessment by an MOH-accredited severe disability assessor. A trained, accredited severe disability assessor will be able to assess whether the applicant meets the CareShield Life/ MediSave Care/ ElderFund/ IDAPE/ ElderShield severe disability criteria of being unable to perform three or more of the six Activities of Daily Living (ADLs). We have expanded the list of accredited assessors to include therapists and nurses who have been trained.

All MOH-accredited assessors have undergone a rigorous training programme to learn how to assess an individual’s level of disability. Through the training, assessors are equipped to assess an individual’s ability to perform the six ADLs, including 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 any individual’s functional ability fluctuates over 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.

The Government is also looking into recognising equivalent assessments that have been performed by a qualified healthcare professional (doctors, occupational therapists, physiotherapists, and registered nurses) providing care to the individual. In such cases, the individual need not undergo a separate severe disability assessment. Today, those who are staying in a nursing home can already approach their nursing home for assistance to submit the Resident’s Assessment Form in place of the severe disability assessment.

MOH and AIC will progressively roll out the use of such equivalent assessments and will make the information available via the MOH and AIC website.

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 and arrange for a disability assessment by an MOH-accredited severe disability assessor. You will be able to claim under CareShield Life, if you are assessed to be have developed severe disability. 

If you wish to claim under your private insurance at the same time, please consult your insurer for more information. 

If you wish to apply for any of the severe disability schemes, you need to undergo a severe disability assessment by a MOH-accredited severe disability assessor.  You may wish to check if your own doctor or healthcare professional is on the list of MOH accredited severe disability assessors. This can be found on the AIC’s website. If they are not, you will need to make an appointment with one of the assessors on the list for an assessment. 

MOH-accredited severe disability assessors are Singapore-registered doctors, occupational therapists, physiotherapists, and registered nurses who have undergone a rigorous training programme to assess a Patient’s level of disability. 

For a list of the MOH-accredited severe disability assessors, please visit the AIC’s website.

While you are undergoing treatment in the hospital, your disability status may change, and this may impact your long-term care scheme application.  As such, we do not recommend the Patients to attend the severe disability assessment while hospitalised.

Our focus is to accredit healthcare professionals in the community, including the GPs, and clinicians in the long-term care sector to assess individuals’ level of disability when their condition has stabilised.

The Government is looking into recognising equivalent assessments that have been performed by a qualified healthcare professional (doctors, occupational therapists, physiotherapists, and registered nurses) providing care to the patient. In such cases, the patient need not undergo a separate severe disability assessment. Today, those who are staying in a nursing home can already approach their nursing home for assistance to submit the Resident’s Assessment Form in place of the severe disability assessment.

MOH and AIC will progressively roll out the use of such equivalent assessments and will make the information available via the MOH and AIC website.

There is no co-payment for CareShield Life disability assessment. However, the assessment fee is waived for the first disability assessment for CareShield Life claims, regardless of the claim outcome. The assessment fee will also be fully reimbursed for individuals who are assessed to have developed severe disability. Hence, individuals with severe disability will not be financially disadvantaged by the need to go for a severe disability assessment, even though no co-payments/subsidies are provided.

The upfront payment is intended to ensure that individuals only approach assessors if they are reasonably certain that they have developed severe disability. 

The same disability assessment result can also be used by patients to apply for other disability schemes (e.g. HCG, PioneerDAS). If there is a need to go for a Functional Assessment Report to further assess your disability status after you have applied, AIC will inform you. 

MediSave cannot be used to pay for the cost of any disability assessments. 

However, all severe disability schemes (i.e. CareShield Life, MediSave Care, ElderShield, ElderFund and IDAPE) share the same disability assessment. If you are a CareShield Life policyholder and are undergoing a severe disability assessment for the first time, the cost of your first severe disability assessment by an MOH-accredited severe disability assessor will be waived. Otherwise severe disability assessments will be fully reimbursed if you are assessed to have developed severe disability. AIC will send you a letter to inform you about details of the reimbursement and the account to which the reimbursement will be made.

A mental capacity assessment can be completed by any doctor registered with the Singapore Medical Council. If you require a mental capacity assessment, you may wish to ask your assessor if he/she is able to perform a mental capacity assessment, before you proceed to make a disability assessment appointment. 

Depending on each Patient’s condition and requirements, some Patients may require a more detailed and/or complex mental capacity assessment that takes a longer duration to complete. In such circumstances, the assessor may charge an additional fee on top of the disability assessment.

You may nominate your own bank account to receive monthly payouts on behalf of a Mentally Incapacitated (MI) patient.  However, please note that if the payout is not made to patient/the patient’s nursing home, the patient’s family or caregiver is advised to obtain a deputyship within 12 months to avoid suspension of payouts. This is to safeguard the interest of the patient.  

If more time is required to apply for deputyship, you may contact AIC at apply@aic.sg to request for an extension on this timeline.

You may nominate your own bank account to receive monthly payouts on behalf of a Mentally Incapacitated (MI) patient. However, please note that if the payout is not made to patient / the patient’s nursing home, the patient’s family or caregiver is advised to obtain a deputyship within 12 months to avoid suspension of payouts. This is to safeguard the interest of the patient.  

If more time is required to apply for deputyship, you may contact AIC at apply@aic.sg to request for an extension on this timeline.

A joint bank account with the Mentally Incapacitated (MI) patient can be nominated to receive the monthly payouts as long as the MI patient remains a party to the joint account. You will need to specify on the application form that the patient is a joint-owner of the bank account by indicating that the bank account belongs to the patient.

A Mentally Incapacitated (MI) patient’s own bank account can be nominated to receive the monthly payouts. You should indicate in the Application Form that the bank account belongs to the MI patient.

The donee/deputy of the Mentally Incapacitated (MI) patient must indicate consent in the application Form to state that the donee/deputy is applying on behalf of the MI Patient.

Please also submit the following to AIC:

• If you are the Deputy

o A copy of the court order of Deputy Appointment

• If you are the Donee

o A doctor’s certification that the Patient lacks mental capacity, as part of the documents required to activate the Patient’s Lasting Power of Attorney (LPA) 

If you are nominating a bank account belonging to a deputy (yourself or another donee/deputy) of the patient or a trustee of the patient, please submit the bank book or statement of the bank account you intend to nominate.

You can login to AIC’s eService portal with your Singpass on to change your bank account for CareShield Life/ElderShield claim payouts, accessible via https://efinance.aic.sg.

If you are changing the nominated bank account on behalf of a care recipient who lacks mental capacity, you will need to submit a Mental Incapacity Certification if you have not done so before. Please refer to Additional Guidance on AIC’s website for more information. 

If you wish to apply for CareShield Life or ElderShield, you need to undergo a severe disability assessment by an MOH-accredited severe disability assessor. You may wish to check if your own doctor or healthcare professional is on the list of MOH accredited severe disability assessors. This can be found at the AIC website. If they are not on the list, you will need to make an appointment with one of the assessors on the list for an assessment.

You are advised to nominate a local bank account as this is the default payment option.

The quarterly survivorship check for an individual living overseas is to verify one’s continued eligibility for payouts. If you are required to undergo quarterly survivorship check, AIC will send you a letter to inform you when the review is required. Details on how to complete the quarterly survivorship check are included in the letter.

Agency for Integrated Care (AIC) may require you to attend a disability review to ascertain your continued eligibility for scheme payouts. Your letter will include instructions on how to attend a disability assessment.

Nursing homes do not charge for performing the RAF for their residents. If the individual resides in a nursing home and would like to undergo the RAF in place of a disability assessment conducted by an MOH-accredited severe disability assessor, please approach the individual’s nursing home for further assistance.

If you are in a nursing home, you may wish to consult a medical social worker (or equivalent) from the nursing home for financial counselling and assistance to apply for long-term care schemes.

If you have been assessed to have developed severe disability, the Agency for Integrated Care (AIC) will usually reimburse the full severe disability assessment fee with the first payout.  

To expedite reimbursements, AIC will also attempt to reimburse based on existing records:

a) The bank account registered with a government agency (e.g. to receive GST credit payouts)

b) The bank account currently used to receive payouts for schemes administered by AIC

c) PayNow registered under your NRIC number

A letter will be sent to you to inform you about the outcome of the reimbursement.  Please note that AIC will attempt to reimburse for three months, failing which, the assessment fee will not be reimbursed.  To facilitate reimbursement, we encourage you to register your NRIC for PayNow or register a bank account with a government agency (e.g. bank account to receive GST credit payouts).

Long-term care costs vary depending on one’s care needs and arrangements, whether the individual stays at home, goes to a care centre, or enters residential care. Each individual and his or her family may finance these costs differently depending on his or her financial resources and personal circumstances.

The starting payout from CareShield Life of about $600/month will enable Singaporeans to afford their basic long-term care costs by easing their out-of-pocket expenses as the payouts complement their personal savings (including MediSave) and family support. There are also existing government subsidies, assistance schemes, and community support, especially for lower income Singaporeans. Those who wish to have additional insurance coverage can also opt to purchase supplements on top of CareShield Life.

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.

CareShield Life is targeted to provide basic financial protection in case of severe disability (i.e. unable to perform at least three out of the six Activities of Daily Living (ADLs)). Keeping the claims criteria to three ADLs help to keep the premiums more affordable. 

Those who would like to have more financial protection against severe disability (e.g. higher benefits and expanded coverage) can purchase supplementary plans from commercial insurers. 

CareShield Life is managed by the Government on a not-for-profit basis. Any excess premiums will be used to benefit insureds, and there are legal safeguards to ensure the Government cannot divert CareShield Life and ElderShield Insurance Fund monies for non-prescribed uses.

Your CareShield Life payouts will increase by 2%* each year, at $649/month in 2024 and will stop increasing when you make a successful claim or turn 67 (whichever is earlier).

For example, if a policyholder starts claiming from CareShield Life in 2024 when he/she is 67 and below, the policyholder will receive $649 per month for as long as he/she has severe disability.

*The payouts will increase at 2% each year until 2025 where it will be reviewed further. 

Long-term care is the personal and medical care needed if an individual develops disability 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.

The need for long-term care will rise as Singapore's population ages. One in two Singaporeans who are healthy at age 65 is expected to develop severe disability 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 individuals with severe disability remain in disability is around four years, but three in 10 remain in severe disability for 10 years or more.

Long-term care insurance schemes like CareShield Life and ElderShield 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.

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 from 1 October 2020. You can also consider supplementing your basic CareShield Life/ElderShield 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.

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.

For an overview of options for long term care financing and services, you may visit the CareShield Life website (under “Long-Term Care Financing”) for more information.

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. 

For Government support schemes specifically for younger Singaporeans with severe disability 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.

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.

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.

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.

All new Permanent Resident applicants aged 30 or older who have received the In-Principle Approval for their Singapore Permanent Residence application are required to declare their health condition before completing Formalities with the Immigration & Checkpoints Authority. The health status declared will not affect their application for Singapore Permanent Residence.
 

Health Declaration for MediShield Life and CareShield Life is on the same form. Please submit the HD form online here > MediShield Life/CareShield Life Health Declaration for Permanent Resident Applicant, and log in using your Singpass. 

CareShield Life is only applicable to Singapore Citizens and Permanent Residents.

Please submit the Health Declaration form online here > MediShield Life/CareShield Life Health Declaration for Permanent Resident Applicant, and log in using your Singpass. 

The CareShield Life Team does not contact members to request sensitive personal information or engage any external agencies to call members on CareShield Life matters. The CareShield Life Team will not disclose members’ contact details to external agencies without members’ consent.

If you receive an unexpected phone call from someone who claims to be from the CareShield Life Team, please be vigilant and do not provide your sensitive personal information (E.g. Singpass ID/password, bank account or credit card details). When in doubt, you may end the conversation with the individual and check with the organisation which the caller claims to represent directly. To verify the authenticity of such calls, you can call us directly at 1800 222 3399 or write to us.

You can call the Healthcare Hotline at 1800-222-3399. The operating hours are from Monday to Friday (excluding public holidays), 8.30am to 5.30pm. Alternatively, you can also write to us.

Please clear the cache in your browser and submit the online form again. 

You may refer to the steps below to clear the cache for your browser/device.

For Windows Desktop Google Chrome or Edge browser

Step 1: Open Google Chrome or Microsoft Edge.

Step 2:Chrome: Navigate to URL: chrome://settings/clearBrowserData

              Edge: Navigate to URL: edge://settings/clearBrowserData

Step 3: Ensure All time is selected for Time range.

Step 4: Ensure Cached images and files option is checked.

Step 5: Click Clear data(Chrome browser)/Clear now(Edge browser).

Step 6: Close and reopen a new browser.

For FireFox browser

Step1: Click the menu button and select Settings.

Step2: Select the Privacy & Security panel.

Step 3: In the Cookies and Site Data section, click “Clear Data”.

Step 4: Remove the check mark for Cookies and Site Data.

Step 5:  Ensure Cached Web Content is checked, and click the Clear button.

For Android Mobile Google Chrome

Step 1: Open Google Chrome mobile app.

Step 2: At the top-right, tap the button with three vertical dots.

Step 3: Tap Settings.

Step 4: Tap Privacy and security.

Step 5: Tap Clear browsing data.

Step 6: At the Basic tab, ensure All time is selected for Time range.

Step 7: Tap and ensure Cached images and files is checked.

Step 8: Tap Clear data.

Step 9: Close and reopen your Google Chrome mobile app.

For Apple Safari for Mac

Step 1: Launch Safari browser.

Step 2: Select Safari -> Preferences.

Step3: Click the Privacy tab and select Manage Website Data.

Step 4: To remove all website data from Safari, click Remove All.

For Apple Safari browser on iPhone/iPad

Step 1: Launch the Settings app on your iOS device. 

Step 2:  Scroll down and select Safari.

Step 3: Scroll down and select Clear History and Website Data.

Step 4:  Tap Clear History and Data in the pop-up menu to confirm.

CareShield Life website is compatible with the latest two versions of these commonly used web browsers. 

a. Chrome

b. Safari

There are strict policies, processes, and safeguards to ensure the proper use and protection of personal data within CareShield Life Team. While the Personal Data Protection Act (PDPA) does not apply to government agencies, Government's data protection standards are aligned with, if not more stringent than, the requirements of the PDPA. CareShield Life Team also requires the same high standards in third parties’ handling of data to prevent inadvertent disclosure of  member’s details.

CareShield Life Team is committed in ensuring that  members’ data are protected, while using the data to continuously understand members’ needs to refine and develop better policies and services.

You may refer to our privacy statement for more details.

CareShield Life Team is committed to providing the best possible assistance to those in need. To make sure you get the right kind of support, we’ll look at your situation and assess whether there are other organisation(s) with more appropriate assistance tailored to your needs. If the situation warrants, we will refer your case to our partner organisation(s) that have the right assistance programme(s) and expertise to better assist you. Please inform us explicitly if you do not want us to refer your case to our partner organisation(s).

CareShield Life Team is committed in ensuring your data is protected. You may refer to our privacy statement for more details.

Members’ data are safe and there are high standards in place to prevent its unintended disclosure.

Where it is in the public interest, the law allows the CareShield Life Team to release a member’s personal details. For example, where misleading information is put out and widely disseminated, we must be able to provide the public with relevant facts. This approach applies to all public agencies. It helps the public gain a fuller picture of the case and counter the misinformation, both of which are necessary to maintain the trust placed in public agencies.

CareShield Life Team is committed in ensuring your data is protected. You may refer to our privacy statement for more details.