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Careshield Supplement in Singapore 2026

Learn about the different Careshield Supplement and compare Careshield Life Upgrade Plans from different insurers to find the plan that best suits your needs.

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Careshield Life Supplement Overview

Careshield supplement in Singapore provide enhanced financial protection for individuals facing severe disability by offering higher monthly payouts, lump sum benefits, and lower eligibility thresholds for claims (e.g. inability to do 2 out of 6 ADL) . Key benefits include increased monthly payouts, initial lump sum payments upon claim approval, premium waivers upon disability, and additional support such as caregiver relief, dependent benefits, and rehabilitation support. Premiums can be partially paid using MediSave, up to an annual limit of $600. These supplements enhance the basic Careshield Life coverage, ensuring greater financial security in case of long-term disability.

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Lower Claim Threshold

Coverage for Careshield life and Careshield supplement are defined base on the inability to do Activities of daily living e.g. Washing, Feeding, Toileting, Dressing, Mobility & Transferability. The criteria to claim can be the inability to do 1 or 2 out of these 6 ADLs

Medisave Payable

Applicants will be able to utilise up to $600 per year of additional withdrawal limit from your medisave to fund this upgrade. This limit is in addition to the medisave withdrawal limit for integrated shield hospitalisation plans.

Higher Payout

You can and opt for a higher payout of up to $5,000 per month for life exceeding the prevailing CareShield Life payout of $662 per month (as of 2025). Plus, using only your MediSave may significantly increase your sum assured

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Information about Careshield life and your eligibility

Singaporean/PR Born in 1980 or later

Automatically covered once you turn 30
You’re automatically covered once you turn 30, or from 1 October 2020, whichever is later, regardless of any pre-existing medical conditions and/or disability.

If you were born in 1990 or later, CPF will write to you with more information about two months before your 30^th birthday.

Singaporean/PR Born in 1979 or earlier

Singaporean/PR Born in 1979 or earlier
Optional participation
Your participation in CareShield Life is optional.

If you were born between 1970 and 1979, insured under ElderShield 400, and have not developed severe disability, you had been automatically enrolled into CareShield Life from 1 December 2021. No action is required if you wish to join CareShield Life.

If you were not automatically enrolled and wish to join CareShield Life, you may go to Careshield Life e-Service > Select “Application to join CareShield Life” and login with your Singpass to apply and enjoy a 60-day free-look period.

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Sample Quotes (Latest Rates 2026)

Sample Mortgage Insurance Quotes Covering 1,000,000 Death/Terminal Illness and Total Permanent Disability, Non Smoker Age 35 Cover 30 years, 3% Decreasing for Mortgage Insurance
Insurers	Female Monthly Premium	Male Monthly Premium
Manulife Mortgage Insurance	$51.93	$55
Etiqa Mortgage Insurance	$73.50	$103.25
Income Mortgage Insurance	$70.70	$88.70
Singlife Term	$49	$62.40
Tokio Marine Term	$59.30	$81.80
FWD Term	$54.90	$74.20
China Taiping Term	$45.55	$77

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Careshield Supplement F.A.Q

Find answers to commonly asked questions about Careshield Supplement in Singapore

Am i eligible for Careshield Supplement?

In order to be eligible for Careshield Supplement, you must be Singapore/PR above the age of 30 and you need to be insured by Careshield Life.

Will i still be covered by Careshield Life and Supplement if i give up my PR/Citizenship?

No. CareShield Life is intended to be a universal long-term care insurance scheme and part of Singapore’s social safety net for Singapore Citizens and Permanent Residents. Those who renounce their Singapore Citizenship or Permanent Resident status will lose their CareShield Life cover (Source).

What’s the benefit of upgrading my Careshield Life?

A CareShield Supplement enhances Singapore’s CareShield Life by providing higher monthly payouts (up to $5,000/month), coverage for partial disability, lifetime payouts, and additional benefits like caregiver support. Offered by private insurers, these supplements allow claims even for milder disabilities and can be paid using MediSave (up to a cap), reducing out-of-pocket costs. Ideal for those seeking stronger financial protection against long-term care expenses.

Read is careshield necessary?

Are the premium fixed or does it keep increasing?

The premium remains fixed once you are insured but is not guaranteed, as the insurer may adjust it due to claims experience.

How do i apply and pay?

After our experts contact you via your form submission to clarify your needs and guide you through your options. You can then apply to upgrade your careshield supplement with them via online or face to face submission. Premium payments can be made via credit card (recurring setup), GIRO, AXS (physical stations, website, or app), or bank transfer through online banking

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