Singlife CareShield Standard or Plus plans

Singlife CareShield Standard and Plus

At a Glance

Additional payouts for severe disability¹

Get S$200 to S$5,000 more on top of basic severe disability payouts from the government.

Get waiver reliefs

Stop paying your premiums but remain covered when you have a mild disability².

Affordable premiums

Payable with CPF MediSave up to approved limits.

Apply now

Features & BenefitsThe average long-term care cost has risen to S$2,952 a month, according to Singlife’s Long-Term Care Research 2024 study³. The Singlife CareShield Standard and Plus plans are government approved supplement plans designed to enhance your CareShield Life or ElderShield payouts so that you or your loved ones can receive the necessary care during unforeseen life events.

Receive up to S$5,000 per month on top of your basic CareShield Life payouts

Get S$200 to S$5,000 more per month, for as long as you are severely disabled¹.

Additional support for policyholders

Stop paying your premiums but remain covered when you have a mild disability².
Additional payout of up to 12 months with the Add-on Benefit⁴ if you’re unable to perform any Activities of Daily Living (ADLs)⁵.
One-time lump-sum benefit that’s 3x your monthly benefit⁶ when you’re severely disabled¹ to cover any immediate financial needs.
Additional payout if you have dependants under the age of 22⁷ to help cover caregiver costs⁸; and to support your dependants in the event of death⁹.

Flexible premium payment options

You can choose to pay premiums until you reach age 99 or until your 69^th birthday.

Please refer to the Product Summary here.

What you need to know about CareShield Life and CareShield Life Supplement

CareShield Life and CareShield Life Supplement
What is CareShield Life?	Basic CareShield Life provides a payout upon severe disability to support the cost of long-term care. Severe disability is defined as requiring assistance in at least 3 of these 6 activities of daily living (ADLs): Feeding or eating without help Getting dressed Using the toilet Bathing Moving or walking on flat ground Transferring from the bed to a chair, or vice versa
What is CareShield Life Supplement?	CareShield Life Supplement complements the Basic CareShield Life by offering additional benefits such as higher monthly payout amounts and wider coverage.

Do I have a CareShield Life Supplement?

The first step to getting the right coverage is knowing what you already have. It's okay if you aren't sure. Here's how to find out in just a few minutes:

Step 1: Visit the CPF website
Step 2: Log in using Singpass
Step 3: Hover over ‘my cpf’ and select ‘Healthcare’ under ‘My dashboards’
Step 4: Select ‘Long-term care insurance’ on the anchor links or scroll down to the ‘Long-term care insurance’ section

If you have a CareShield Life Supplement plan, the insurer of your Supplement plan will show up (i.e. Singlife, Income or Great Eastern) in this section.

If you do not have a Supplement plan, this section will not reflect any information.

Eligibility RequirementsAll Singaporean Citizens and Permanent Residents are eligible after their 30^th birthday.

If you were born in the year 1979 or earlier, you can opt in for CareShield Life here.

If you were born in the year 1980 to 1993, you’re automatically covered by CareShield Life starting 1 October 2020 or when you turn 30 years old.

If you were born in the year 1994 or later – fret not, you will be automatically covered when you turn 30.

You can purchase a CareShield Life Supplement if you have an existing CareShield Life policy.

Apply nowGetting a Singlife CareShield Standard or Plus plan is simple and fully digital. Sign up now!Apply nowYou can also leave your contact details and we will get in touch soon.Contact me

Footnotes

¹ You are unable to perform at least two (for Singlife CareShield Plus) or three (for Singlife CareShield Standard) of the six Activities of Daily Living (ADLs).

² You are unable to perform at least one Activity of Daily Living (ADL).

³ Sourced from Singlife website, LifesStuff article: “Are young families prepared for their long-term care needs?”

⁴ Add-on Benefit payouts start when you’re unable to perform 2 ADLs for Singlife CareShield Standard and 1 ADL for Singlife CareShield Plus.

⁵ The ADLs are washing, toileting, feeding, dressing, transferring around and walking or moving around.

⁶ The monthly benefit refers to the monthly payout when the Life Assured suffers from a Severe Disability, as defined in the plan.

⁷ The Life Assured may receive an additional 20% of their monthly benefit – for up to 36 months – while they’re receiving their monthly benefit or rehabilitation benefit.

⁸ The Life Assured may receive an additional 60% of their monthly benefit – for up to 12 months – while they’re receiving their monthly benefit or rehabilitation benefit.

⁹ A lump sum benefit will be payable if the Life Assured dies due to any accident or sickness while receiving either the Severe Disability Benefit or the Rehabilitation Benefit. The Death Benefit will amount to 3 times of the last paid Severe Disability Benefit or the Rehabilitation Benefit, whichever is applicable.

Disclaimers

The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, or communicated to any other person without prior written permission. This website does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.
We may receive fees or commission from our insurer partners for marketing or selling their products to you.
DBS may vary the terms & conditions or discontinue any promotion/privileges at any time without any notice or liability to any party.
DBS makes no warranty or representation as to the quality, insurability or fitness for purpose of the insurer's goods and services. Any dispute about the same must be resolved directly with the insurer.
DBS shall not be liable for any loss, injury, claim or damage suffered or incurred as a result of the use of the insurer's goods and services.
DBS/POSB is not an agent of any of these participating clinics and makes no representation as to the quality service provided. All feedback should be directed to insurer, whose terms and conditions will apply.
Price stated is inclusive of prevailing GST.

In Collaboration with Singlife
The Singlife CareShield Standard and Plus plans are underwritten by Singapore Life Ltd., and distributed by DBS Bank Ltd. It is not an obligation of, deposit in or guaranteed by DBS.

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.

You will need to have a basic CareShield Life (CSHL) or ElderShield (ESH) policy before purchasing Singlife CareShield Standard or Singlife CareShield Plus (“Supplements”). Supplements purchased by CSHL policyholders are regulated under the CareShield Life and Long-term Care Act. Supplements purchased by ESH policyholders before the transfer of ESH to Government administration are considered ESH Supplements, which are regulated under the Central Provident Fund (Withdrawals for ElderShield Scheme) Regulations. After the transfer, they are considered CSHL Supplements, regulated under the CareShield Life and Long-term Care Act.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Singlife or visit the Life Insurance Association or SDIC websites.

Information is accurate as at 1 Nov 2025.

DBS Insurance Important Notes

CareShield Life in a summary

Homecare costs and healthier living

Explore more

Protection Healthcare Financial Planning Insurance

Singlife CareShield Standard and Plus

Related

CareShield Life in a summary

Homecare costs and healthier living

Explore more

Useful Links

Others

Need Help?

Markets