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

 

As part of collective responsibility, those with pre-existing severe disabilities should contribute one premium payment 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 perform 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.