Expanding CareShield Life coverage to those with milder forms of disability would require premiums to at least double, due to the longer claim duration and higher claim incidences for these individuals. As this would have come at the expense of premium affordability for more policyholders, the CareShield Life Council has recommended not to vary the scheme’s scope of coverage.

 

Importantly, the CareShield Life Council notes that those with mild/moderate disability can continue to access Government subsidies and grants that have been designed with them in mind. These include long-term care subsidies and grants such as Home Caregiving Grant that the Government will enhance progressively from 2026.

 

Those who wish for additional insurance coverage can also consider Supplements offered by private insurers.