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

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.

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.

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.

Please select the age group you belong to. 

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.

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.

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.

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.

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.

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

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.

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 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).

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.