CareShield Life and ElderShield insureds who wish to have higher coverage (e.g. higher payouts, longer payout duration) can consider purchasing Supplements from private insurers (Singlife, Great Eastern, or Income Insurance). There are no restrictions on the number of supplement policies one can be covered. Supplement premiums can be paid using MediSave, up to a limit of $600 per calendar year per person insured. CareShield Life Supplements will also be available to CareShield Life insureds after the launch of CareShield Life scheme on 1 October 2020. Premiums for Supplements range widely and commensurate with the type of benefits they offer. Singaporeans may refer to the individual Supplement plans for more information. For more information on your CareShield Life/ElderShield Supplements, please contact your insurer here

Singapore Life Limited
Address: 4 Shenton Way, #01-01, SGX Centre 2, Singapore 068807
Website: singlife.com
Email: cs_life@singlife.com
Hotline: 6827 9933

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

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

You can check your CareShield Life/ElderShield supplement plan by following these steps:

a. Visit the CPF website. 
b. Log in using your Singpass.
c. Hover over "my cpf" and click on "Healthcare" under "My dashboards".
d. Click on “Long-term care insurance” on the anchor links or scroll down to the “Long-term care insurance” section.

If you are covered under a Supplement plan, this section will show the insurer of your Supplement plan (i.e. Singlife, Great Eastern, or Income Insurance). Do contact your insurer to find out which Supplement plan you are covered under.

If you do not have any Supplement plan, this section will not reflect any information.

If you wish to find out about the number or types of supplementary plans which you have purchased, please contact your insurer(s) directly.

Specific Supplements might work with either ElderShield, CareShield Life, or both schemes. Please approach your insurer or financial advisor for more information on the specific Supplement product.

Existing insureds’ Supplement plans will not be affected, even if you join CareShield Life. You will continue to pay the same premiums for your Supplements and enjoy the same benefits for as long as you are covered. You will also be able to make claims under both CareShield Life and your Supplement plan.

You may wish to refer to the CareShield Life Premium Checker e-Service to view your premium details and premium support, and also speak to your financial advisor on whether you should upgrade to CareShield Life.

Supplement products are strictly run by the private insurers and the premiums that have already been paid for Supplements will not be taken into account when you upgrade to CareShield Life. These Supplement policies will stay in-force as long as you continue to contribute premiums and do not terminate their coverage.  

Nonetheless, ElderShield premiums that ElderShield insureds have paid will be taken into account when computing their CareShield Life premiums.

Your Supplement policies will stay in-force as long as you contribute premiums and do not terminate their coverage. Your existing Supplement policies will not be adversely affected because of CareShield Life. You will also be able to make a claim under both CareShield Life and your Supplement.

You may wish to speak with your financial advisor for further advice. 

If you are covered under CareShield Life/ElderShield, you may consider whether the benefits of the current CareShield Life/ElderShield scheme suits your long-term care preferences. If you wish to have additional coverage or benefits on top of the CareShield Life/ElderShield scheme, you may consider purchasing a Supplement plan.

You may refer here for a comparison of Supplement plans offered by private insurers (Singlife, Great Eastern, or Income Insurance). You may also wish to speak to a financial advisor from one of the private insurers who can share more about their Supplement plans with you.

CareShield Life will be universal for all Singapore Citizens and Permanent Residents born in 1980 or later. Private insurance can still play a complementary role by providing additional benefits above and beyond such basic coverage.

Supplement plans will lapse if you stop paying premiums. Please refer to your specific Supplement policy documents or consult your insurer for more information.

CareShield Life is intended to provide basic financial protection for long-term care needs, together with other long-term care financing sources, such as Government subsidies and assistance schemes, community support, personal savings, family support and Government-funded safety nets. If you wish to have additional coverage on top of what CareShield Life provides, you may wish to discuss with your financial advisor on a supplement plan that private insurers offer.

CareShield Life Supplements are products by private insurers who set the underwriting decisions based on commercial and actuarial considerations.

You may refer here for a comparison of Supplement plans offered by private insurers (Singlife, Great Eastern, or Income Insurance). You may also wish to speak to a financial advisor from one of the private insurers who can share more about their Supplement plans with you. 

The ElderShield insurers will continue administering Supplements that complement the current ElderShield schemes.

The Government will review the CareShield Life/ElderShield Supplement market and assess the entry of new insurers into the Supplement market, if there is interest from other insurers.

You may submit claims for CareShield Life or ElderShield with Agency for Integrated Care (AIC), and your Supplement plan with private insurers. You may check with your private insurers on the claims process and payouts for Supplement plan.

To submit CareShield Life/ElderShield Supplements claims, you may approach your respective private insurer for details and advice: 

• Singlife (Hotline no: 6827-9933) 
• Great Eastern (Hotline no: 1800-248-2888) 
• Income Insurance (Hotline no: 6332-1133)