All Singapore Citizens and Permanent Residents born in 1980 or later, including those with pre-existing severe disabilities, are covered under CareShield Life from 1 October 2020 or when they turn 30, whichever is later.

 

As part of collective responsibility, those with pre-existing severe disabilities are required to pay one year premium to join the scheme. This payment amount is less than the first monthly CareShield Life payout they will receive. Upon joining the scheme, they will continue to receive monthly payouts for as long as they are unable to perform three or more Activities of Daily Living. 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.