CareShield Life is a long-term care insurance scheme launched on 1 October 2020 which provides basic financial protection should an individual become severely disabled, especially during old age, and need care for a prolonged duration.
Singapore Citizens or Permanent Residents, born in 1980 or later, will be automatically covered under CareShield Life from 1 October 2020, or when they turn 30, whichever is later. Singapore Citizens or Permanent Residents, born in 1979 or earlier can choose to join CareShield Life from end-2021, if they are not severely disabled.
CareShield Life policyholders who are/become severely disabled are eligible to make claims, and can receive payouts for as long as they remain severely disabled, and meet the terms and conditions needed to receive payouts. Payouts start at $600 cash per month in 2020, which increases annually until age 67 or when a successful claim is made, whichever is earlier.
To be eligible for CareShield Life claims, the care recipient must meet the following criteria:
• Must be a CareShield Life Policyholder.
• To find out if you are insured under CareShield Life, log on to
careshieldlife.gov.sg with your Singpass.
Unable to perform three or more of the six Activities of Daily Living, as certified by an MOH-accredited severe disability assessor. These six activities are:
Contact an MOH-accredited severe disability assessor to undergo a disability assessment.
here for the list of assessors.
b. For CareShield Life claims, the assessment fee for the
first disability assessment will be waived, regardless of whether the care recipient is assessed to be severely disabled, or whether the claim is successful.
c. If this is not the care recipient’s first time being assessed for CareShield Life claims, the assessor will collect an assessment fee from you. If the care recipient is assessed to be severely disabled, the full assessment fee will be reimbursed to you with the first payout.
The fees are as follows, if:
d. If the care recipient is residing in a nursing home, the nursing home can help submit a Resident’s Assessment Form in place of the severe disability assessment. Please approach the nursing home for assistance.
AIC’s eService portal (eFASS) with your Singpass.
a. On the overview page, look for the “Apply to Receive Scheme(s) Payout” section and select “For myself” or “As a caregiver”.
b. If the care recipient is residing in a nursing home, you may nominate the nursing home to receive the payout, which can be used to offset the nursing home bills. Please approach the nursing home for assistance.
c. Should the care recipient lack mental capacity, please go through the
Please note that the AIC eServices for Financing Schemes (eFASS) is currently unavailable. We are working to bring back online service as swiftly as we can. We apologise for the inconvenience caused. For assistance, please call our AIC Hotline at 1800-650-6060.
We are currently experiencing a high volume of applications. During this period, we may take up to 1 month to process your online application. We will inform you of the outcome in writing. If your claim application is successful, payouts will be made to your nominated bank account in the following month, which may include payouts from the month the claim application was submitted. The payouts will be reflected as “CareShield Life” in your bank statement.
The care recipient will continue to receive monthly payouts in the nominated bank account by the end of every month as long as the care recipient remains eligible.
Please contact AIC at 1800-650-6060 if you require any assistance.
1. If you would like to change the care recipient’s scheme details, please login with your Singpass on
eFASS under “Manage My Schemes” > “Change in Scheme Details”. Please note these additional points as well:
2. If you wish to opt-out from receiving CareShield Life payouts, please login with your Singpass on the
eFASS under “Manage My Schemes” > “Change in Scheme Details”.
3. If you are unable to update scheme details or opt out of scheme using the eFASS, please email us at
email@example.com, or walk in to any of our AIC Links to request for a hardcopy application form. We seek your understanding that hardcopy applications have a longer processing time.
AIC will take about 1 month to process your online claim application. We will inform you of the outcome in writing. If your claim application is successful, payouts will be made to your nominated bank account in the following month, which may include payouts from the month the claim application was submitted. The payouts will be reflected as “CareShield Life” in your bank statement.
Additional guidance for care recipient without mental capacity
1. The care recipient's donee/deputy# may provide consent on the care recipient's behalf. If the care recipient does not have such a donee/deputy, the caregiver* may make the application on care recipient's behalf.
#Donee/deputy must be appointed in accordance with the Mental Capacity Act (Cap 177) and is authorised to make decisions on behalf of the care recipient in relation to the care recipient’s property and affairs.
*For successful applications without a donee/deputy and paying to 3rd party bank accounts (not applicable to nursing home accounts), the caregiver or another family member has 12 months to obtain a court order appointing him/her as a deputy, failing which the payouts will be suspended. For more information on how to apply for a deputyship, please visit the
Family Justice Courts website.
Doctor’s certification for mental incapacity is only valid for
six months, unless stated permanent.
2. Please submit the following addtional supporting documents:
Why do I need NRIC issue date? How do I find the NRIC issue date?
AIC requires the input of the NRIC issue date for verification purposes.
How do I change my nominated bank account for CareShield Life claim payouts?
You can login with your SingPass on eFASS and navigate to “Manage My Schemes” > “Change in Scheme Details”.
If you are changing the nominated bank account on behalf of a care recipient who lacks mental capacity, you will need to submit a Mental Incapacity Certification if you have not done so before. Please refer to
Additional Guidance for more information.
If you are nominating a nursing home to receive the payouts, please approach the nursing home to help you submit the Change in Application Details Form to AIC.
Do keep a copy of the application documents for your own reference.
How do I know whether I am severely disabled?
You would need to visit an MOH-accredited severe disability assessor to be assessed whether you are severely disabled. You are likely to be assessed as severely disabled if you are unable to perform at least three activities of daily living (ADLs). These ADLs are bathing, dressing, feeding oneself, using the toilet, moving around and transferring.
For example, at least three of the following scenarios apply to you:
You will be reimbursed fully for the assessment fee if you are assessed to be severely disabled. If you are assessed to have mild/moderate disability, you may still be eligible for mild/moderate disability assistance schemes like the Home Caregiving Grant and Foreign Domestic Worker Levy Concession for Persons with Disabilities.
For information on the different levels of disability and how to apply for CareShield Life claims and other forms of financial support, please refer to the information on
Can I see my own doctor or therapist to be assessed for CareShield Life claim eligibility?
If you wish to apply for CareShield Life or any of the severe disability schemes, you need to undergo a severe disability assessment by an MOH-accredited severe disability assessor. You may wish to check if your own doctor or healthcare professional is on the list of MOH accredited severe disability assessors. This can be found at
www.aic.sg/assessors-list. If they are not, you will need to make an appointment with one of the assessors on the list for an assessment.
Do I need to pay for a severe disability assessment? How much are the assessment fees?
The fees for clinic-based and non-clinic-based assessments are $100 and $250 respectively. The assessment fee will be waived for the first disability assessment for CareShield Life claims, regardless of the assessment outcome. Otherwise assessment fees will be reimbursed only if the policyholder is assessed to be severely disabled.
Will cognitive impairments be better recognised under the revised disability assessment framework? Does this mean someone with dementia will automatically qualify for CareShield Life?
Under the new severe disability assessment framework and revised training curriculum, assessors will be guided more explicitly on the aspects to consider if an applicant is suspected to be cognitively impaired. As assessors are better equipped to take into account the impact of cognitive impairment on an applicant’s functional abilities, cognitively impaired applicants with higher levels of functional impairment will more consistently qualify for severe disability scheme(s).
Applicants with dementia or other cognitive impairments will still need to undergo a disability assessment in order to qualify for severe disability scheme(s) payouts, as dementia/cognitive impairment could affect the applicant’s functional abilities to varying extents.
Is there a periodic re-assessment? How often would it be? Can this be waived?
An annual periodic re-assessment may be required to assess if a care recipient of a severe disability scheme continues to meet the criteria for receiving payouts/withdrawals. Periodic re-assessment fees are waived, regardless of the outcome of the assessment. We will write to the care recipient if a periodic re-assessment is required.
Care recipients who are assessed as permanently severely disabled will be exempted from disability re-assessments, unless new information comes in to suggest that the care recipient’s condition has improved.
If my CareShield Life payout had ceased due to recovery, can I subsequently reapply for claims if I become severely disabled again?
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