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I am born in 1980 or later and I have pre-existing severe disabilities. Will I need to pay premiums for CareShield Life?



If you are born in 1980 or later, you will be able to enjoy protection under CareShield Life, regardless of your ability to pay premiums, even if you have pre-existing disabilities. 

As part of collective responsibility, those with pre-existing 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 do 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.

This information provided here is sourced from the MOH website.

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