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

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

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

This information provided here is sourced from the MOH website.