Maintaining the enhancement as a standard feature for all policyholders helps keep the scheme fair and sustainable, and premiums affordable. This helps to:

1. Reduce adverse selection risk, where those who are more likely to claim are more likely to opt into the scheme.

2. Keep administrative processes simple and efficient.

Hence, the CareShield Life Council has recommended to apply the enhancements to all policyholders, striking a fair balance between stronger protection and premium affordability for all.