CareShield Life

Find out more about CareShield Life below.

What is CareShield Life?

CareShield Life is a long-term care insurance scheme for Singaporeans who become severely disabled, especially in their older years. The scheme provides basic financial support for Singaporeans who require medical care for a significant duration (i.e. long-term care).

Severe disability may be a result of a disabling event (e.g. stroke or spinal cord injury), worsening of chronic illnesses (e.g. cancer), or the deterioration of age-related illnesses (e.g. dementia).


1. Lifetime coverage

You will be covered for life after completing your premium payments the year you turn age 67 or 10 years after you join the scheme, whichever is later.

2. Cash payouts that can be used for your preferred needs

  • For as long as you are severely disabled, you will receive monthly payouts.
  • Cash payouts enable you and your caregiver to make the best care arrangements for yourself (e.g. home care or nursing home care).

3. Monthly payouts will increase over time

  • Your monthly payouts will increase yearly until age 67 or when you’ve made a successful claim, whichever is earlier.
  • Your payouts will increase at 2% annually from 2020 to 2025. From then on, payout increases and premium adjustments will be recommended by an independent CareShield Life Council.
  • If you are 67 or older when the scheme is open to you (i.e. born in 1954 or earlier), you will receive a fixed monthly payout of $612 per month.

4. Worldwide coverage

  • No matter where you are residing, you will remain covered and can continue to make claims and receive your payouts.


You are eligible to make a claim for CareShield if you fulfil the following requirements:

  • You are a CareShield Life Policyholder
  • You are assessed by a MOH-accredited assessor to be unable to perform three or more of the six following Activities of Daily Living (ADLs):
    • Washing
    • Dressing
    • Feeding
    • Toileting
    • Mobility
    • Transferring


  • Singaporeans born in 1980 or later are automatically covered under CareShield Life from 1 October 2020, or when you turn 30, whichever is later. A letter will be sent to you about 2 months before your 30th birthday, and your personalised CareShield Life premiums will be made available closer to your 30th birthday here.
  • Singaporeans born in 1979 or earlier:
    • Participation is optional*.
    • You will be automatically enrolled into CareShield Life from 1 December 2021 if you are born between 1970 and 1979, insured under ElderShield 400, and not severely disabled. You will receive a CareShield Life welcome package, which will contain more information on your CareShield Life coverage and personalised premiums. You may choose to opt out by 31 Dec 2021 if you do not wish to remain on CareShield Life.
    • If you are not automatically enrolled and would like to join CareShield Life, you may access the Application to join CareShield Life e-Service with your Singpass.
    • You can check your personalised CareShield Life premiums here using your Singpass.

*Except foreigners who become Singapore Citizens or Permanent Residents from 1st Oct 2020 onwards and are born in 1979 or earlier. Participation is mandatory as long as they are not severely disabled.

How to use your CareShield Life payouts

Illustration source: CareShield Life

Let’s assume you are caring for Mr. Carl Tan, your 67-year-old father who has a severe disability due to a stroke last year. Because of his condition, he requires personal stroke care and rehabilitation for the next few years. He will need to have someone at home to care for him as he’s unable to carry out certain Activities of Daily Living (ADLs), such as showering, toileting, and feeding, independently. 

The monthly payout of $1,200 that Mr. Tan is receiving can be used to defray the cost of Home Care and Home Nursing services at Homage. 

For example, the $1,200 can be used to offset our 40-hour Care Relief Package which is priced at $860. This means that you can get a reliable and dedicated caregiver to look after your father for 40 hours a month. Thereafter, you have an additional $360 to spare, which can be used for other ad hoc services such as any nursing procedures or specialised rehabilitation sessions.

Homage offers a wide range of caregiving solutions, including elderly care, post-surgery care, respite care, end-of-life care, and night care, such that your loved ones can get the care they need in the comfort of their homes. 

You may use your CareShield Life payouts to book professional home care services with Homage. Here’s a list of home care services offered by Homage that you may consider:

Home Personal Care

Trained local caregivers can assist you and your loved one’s activities of daily living (ADLs) for safe and independent living at home.

Home Nursing

Licensed local nurses can assist with your loved ones’ nursing procedures such as tube, stoma and wound care in the comfort of home.

Home Therapy

Our experienced local therapists can support rehabilitation efforts to promote a fuller and speedier home recovery for individuals.

Homage services applicable for subsidies

Homage is an official government provider for Interim Caregiver Services in Singapore. You may use MediSave for the following Homage services, under the Home Caregiving Grant scheme: 

Home Care
Assistance with activities of daily living (ADLs) such as eating, bathing, getting dressed, toileting, transferring and continence.

Home Nursing
Our home nursing services range from private nursing, IV drip, wound dressing, NGT feeding, urine bag drainage and more.

Home Therapy
To support your rehabilitation and recovery efforts through personalised exercise and therapy treatment sessions.

Specialised Care
From Dementia Care to Cancer Care, get the most relevant care support in response to your medical condition. 

Maximise your ElderShield payouts by purchasing Homage’s prepaid packages at a discounted rate. With a monthly payout of $400, you may purchase the following services:

  • 10-Hour Prepaid Home Care Package ($220) 
  • 10-Hour Prepaid Nursing Care Package ($270)
  • Home Therapy Session ($180/hour)
  • Speech Therapy Session ($200/hour)
  • In-Person Care Assessment ($64.80/session)

How to apply

If you are a Singapore Citizen or Permanent Resident born in 1979 or earlier, are not severely disabled, and are not auto-enrolled into CareShield Life, log in with your Singpass with this e-Service to join the scheme.

More useful resources on CareShield Life

CareShield Life: All You Need To Know

Best CareShield Life Supplements in Singapore: NTUC vs Singlife Aviva vs Great Eastern

How Homage works

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