Best CareShield Life Supplements in Singapore (2026 Comparison)

There are three private insurers offering supplements

Singlife: Singlife CareShield & Singlife CareShield Plus
Great Eastern: Great CareShield
Income: Care Secure Pro

Best CareShield Life supplements by feature

Premium discounts: Income – 25% Lifetime discount (Terms & conditions), Singlife – 20% Lifetime discount (Terms & conditions), Great Eastern – 20% lifetime discount from 2nd year onwards (Terms & conditions)

Coverage for moderate disability: Great Eastern Great CareShield and Singlife CareShield Life Plus

Comparing CareShield Life supplements

Who is this for?

CareShield Life’s coverage extends to Singaporeans and permanent residents, and includes those who don’t currently reside in Singapore. You will be automatically enrolled when you turn 30, regardless of pre-existing medical conditions and disability.

Born in 1980 or after
Coverage is mandatory. You will be automatically enrolled into CareShield Life when you turn 30. This includes individuals with pre-existing medical conditions and disabilities.

If you already have a pre-existing severe disability when you join at age 30, you will need to make a one-time contribution to enter the scheme, after which you can receive payouts if you meet the claim conditions.

Born in 1979 or earlier 

Eligibility depends on whether you already have ElderShield coverage.

• Born between 1970 and 1979 with existing ElderShield coverage and not severely disabled: Coverage is optional, but you would have been automatically enrolled into CareShield Life from 1 December 2021 unless you opted out before the deadline.
• Born in 1979 or earlier without existing ElderShield coverage: You can choose to join CareShield Life anytime if you are currently not disabled viaApplication to join CareShield Life e-Service.

Read more: All You Need To Know About CareShield Life

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What does it cover, and how does it benefit me?

CareShield Life provides monthly cash payouts if you become severely disabled and need long-term care support. The purpose of the scheme is to help reduce the financial burden of disability-related care costs over time.

Severe disability under CareShield Life is defined as needing assistance with at least 3 out of 6 Activities of Daily Living (ADLs):

1. Eating without help
2. Getting dressed
3. Using the toilet
4. Bathing
5. Moving or walking on flat ground
6. Transferring from the bed to a chair, or vice versa.

Payouts are planned with inflation in mind

CareShield Life payouts are designed to increase over time before a claim is made, so that the benefit better reflects the rising cost of care.

The scheme started with a payout of $600 per month in 2020, increasing by 2% per year. The monthly payout for new claims in 2026 is $689 per month.

For each insured person, the monthly payout amount becomes fixed at age 67 or when a successful claim is made, whichever happens first. Once a successful claim is made, the monthly payout remains fixed for as long as severe disability continues.

Based on Planner Bee’s data, 86% of users choose plans with earlier claim triggers (1 or 2 ADLs). Earlier claim triggers can provide financial support sooner, especially in the early stages of disability.

Source: Careshield Life

What’s the difference between ElderShield and CareShield Life?

ElderShield and CareShield Life are Singapore’s national long-term disability insurance schemes. The key differences affect when coverage starts, how payouts grow, how long benefits last, and how premiums are structured.

Understanding these differences is important because your base scheme determines how much additional coverage you may need from a CareShield Life supplement.

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Read more: How To Convert From ElderShield, and Everything Else You Need To Know

What happens if I need to make a claim?

Step 1: Contact an MOH-accredited severe disability assessor to undergo a disability assessment

Refer to the list here.

• Fees are waived for the first disability assessment, regardless of claim results.
• Subsequent assessments are payable by the claimant but refundable upon a successful claim

The fees are as follows, if:

• You visit an assessor’s Clinic: $100
• An assessor visits your house: $250

Step 2: Claim application

You could submit the claim via any of the following methods:

• AIC’s eService portal (eFASS) with your Singpass
• Email to apply@aic.sg
• Walk in to any of our AIC Links to request for a hardcopy application form

You could apply for yourself or as a caregiver to a disabled person. It is recommended to nominate a caregiver’s bank account to receive the payout.
Refer to this guide if you need more information on how to proceed with your application on eFASS.

Should the care recipient lack mental capacity, please go through the Additional Guidance.

Source: AIC.sg

How do you know if you have one already?

If you are not sure if you have a supplement, you could find out by following these steps.

1. Go to cpf.gov.sg
2. Log on using your Singpass.
3. Go to section “Healthcare Dashboard”
4. Check for “CareShield Life / ElderShield” section

If you have a supplement, this section will let you know the insurer you are covered under (i.e. Great Eastern, Income or Singlife). Refer to image to see how it would look like.

If you do not have any supplements, the CPF website will not reflect any information on supplements.

Source: CPF