CareShield Life is targeted at severe disability, so that premiums can be kept affordable for all insureds.

Singaporeans with mild or moderate disabilities who need long-term care, 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 their personal savings and family support.

Government-funded safety nets such as MediFund / ComCare can also help these Singaporeans pay for their long-term care costs, should they be unable to afford long-term care services.

Singaporeans who wish to cover themselves for less severe disabilities can consider purchasing Supplements from the private insurers.