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​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Car​​eShield Life

CareShield Life is a long-term care insurance scheme that will be launched on 1 Oct 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 Oct 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.

​​​​​​​​​Payout De​tails

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.

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How To Apply

Note: Applications for CareShield Life claims start from 1 Oct 2020.

After the application submission

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.

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.




For Existing Clients

1. If you would like to change the care recipient’s scheme details, please login with your SingPass on the eFASS. Go to “Manage My Schemes” and “Update Scheme Details”.

  • a. Please download and submit the Mental Incapacity Certification (if recipient lacks mental capacity).
  • b. If the care recipient is residing in a nursing home, and you are nominating the nursing home to receive the payout, please approach the nursing home for assistance.

2. If you wish to opt-out from receiving CareShield Life payouts, please login with your SingPass on the eFASS. Go to “Manage My Schemes” and “Update Scheme Details”.

3. If you are unable to update scheme details or opt out of scheme using the eFASS, please email us at apply@aic.sg, 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.



Frequently Asked Questions

Do you have questions about CareShield Life claims? We may have the answers here.

Additional gu​idanc​e f​or care recipients who lacks m​ental capacity to​ provide consent

1. The care recipient's donee/deputy# may provide consent on the care recipient's behalf. If the care recipient does not hav​e such a donee/deputy, the caregiver* may make the a​pplication 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 r​ecipient’s property and affairs.

*For successful applications without a donee/deputy, ​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 i​nc​a​pacity is only valid for six months, unless stated permanent.


2. Please submit the f​ollowing addtiona​l supporting documents:

  • Doctor's certification that the care recipient lacks mental capacity OR court order of deputy appointment OR recent medical report stating that the care recipient lacks mental cap​acity; and
  • Copy of​ bank book or statement IF you are nominatin​g an account belonging to a deputy or trustee of the care recipient.

AIC requires the input of the NRIC issue date for verification purposes.​

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 ap​proach the nursing home to help you submit the Change in Application Details Form to AIC.

Do keep a copy of the appli​cation documents for your own​ reference.

You would need to visit a​n​ 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 may need to rely entirely on your caregiver to be fed
  • You may need to rely entirely on your caregiver to be bathed
  • You may need to rely entirely on your caregiver to manage your diapers or catheter
  • You may need to rely entirely on your caregiver to be dressed
  • You need to rely entirely on caregiver to move over a distance, e.g. cannot walk on one’s own or push oneself in a wheelchair
  • You need to be fully supported when being transferred from bed to chair, or chair to bed

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 Con​cession for Persons with Disabilities​.

For information on the different levels of disability and how to apply for CareShield Lif​e claims and other disability schemes you may be eligible for, please refer to the information on the eFASS.

Severely disabled individuals who wish to apply for CareShield Life claims will need to undergo a severe disability assessment by an​ MOH-accredited severe disability assessor. A trained, accredited severe disability assessor will be able to assess whether the applicant meets the CareShield Life claim​ criteria of being unable to perform three or more of the six Activities of Daily Living (ADLs). We have expanded the list of accredited assessors to include therapists and nurses who have been trained.

Through the training, assessors have learnt to assess an individual’s ability to perform the six ADLs, including specific components of each ADL to take into account, what factors to consider when an individual is cognitively impaired, and what should be done if any individual’s functional ability fluctuates over time. As this is a complex process, the training and accreditation is necessary to ensure that disability assessments are conducted with a high degree of rigour and consistency.

The Government is also looking into recognising equivalent assessments that have been performed by a qualified healthcare professional (doctors, occupational therapists, physiotherapists, and registered nurses) providing care to the care recipient. In such cases, the care recipient need not undergo a separate severe disability assessment. Today, those who are staying in a nursing home can already approach their nursing home for assistance to submit the Resident’s Assessment Form in place of the severe disability assessment.

MOH and AIC will progressively roll out the use of such equivalent assessments and will make the​ information available via the MOH and AIC website.

​On 31 Jan 2020, the disability assessment fees for clinic-based assessments were raised from $50 to $100, and for non-clinic-based assessment, from $150 to $250. However, the assessment fee will be waived for the first disability assessment for CareShield Life claims, regardless of whether the care recipient is assessed to be severely disabled, or whether the claim is successful. If it’s not the first assessment, the assessor will conduct the disability assessment and collect an assessment fee. If the care recipient is assessed to be severely disabled, the full assessment fee will be reimbursed.

These fees were last reviewed in 2012. As recommended by the ElderShield Review Committee, the fees for severe disability assessments were raised in recognition that there has been an increase in assessment​ complexity due to the assessment framework enhancements made to account for the impact of cognitive impairments on functional ability.

The previous disability assessment form (for ElderShield) stated that an individual’s cognitive capacity should be taken into consideration when an assessor is assessing the individual’s ability to perform Activities of Daily Living (ADLs), but it was not clear how assessors should do so consistently.

Under the new framework and revised training curriculum, assessors will be guided more explicitly on the aspects to consider if an insured person is suspected to be cognitively impaired. Assessors will therefore be better equipped to take into account the impact of cognitive impairment on an insured person​’s functional abilities, which will result in cognitively impaired insured persons with higher care needs being able to more consistently qualify for CareShield Life claims.

​Individuals with dementia or other cognitive impairments will still need to undergo a disability assessment in order to qualify for CareShield Life claims, as their functional abilities may be affected in varying degrees by their c​ognitive impairment.

​Annual periodic re-assessment is required to assess if the beneficiary is still severely disabled and meets the CareShield Life payout​ criteria. The periodic re-assessment fees are waived, regardless of the outcome of the assessment.

However, care recipients who were assessed as permanently severely disabled (e.g. assessor statement by MOH-accredited severe disability assessors) will be exempted from disability re-assessments, unless there is new information (e.g. doctor’s memo) suggesting that the care recipients have recovered.

Yes, you can reapply and receive CareShield Life payouts again if you are assessed to meet all​ eligibility criteria.​

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