[If CareShield Life policyholder is receiving CareShield Life payouts]

If you are currently receiving CareShield Life payouts, you may also apply for HCG. Since CareShield Life is a severe disability scheme, you may apply for HCG (moderate disability scheme) without going for a separate disability assessment. However, you would have to meet the other non-disability eligibility criteria for HCG:

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.

[If CareShield Life policyholder is not severely disabled]

If you are not severely disabled but require some assistance with at least three (3) out of six (6) ADLs, you may wish to apply for HCG (moderate disability scheme). You have to submit a Functional Assessment Report and meet the other non-disability eligibility criteria for HCG:

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. Those with multiple properties will receive the lower HCG payout of $250 per month.