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

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

Those born in 1979 or earlier and who are already severely disabled will not be able to join CareShield Life. The Government will help them through other ways e.g. Government subsidies and other Government schemes such as the Seniors’ Mobility and Enabling Fund. They can also tap on their MediSave savings and ElderFund after the scheme launch dates on 1October 2020 and Jan 2020 respectively.

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.