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Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
Long-term care planning for parents in their 60s
A parent in their 60s born before 1980 was not automatically enrolled in CareShield Life. Here is what to check about their long-term care cover before the decision is made for you.
Chitra Raj
ElderShield 400 and upgrading to CareShield Life
If you were on ElderShield 400, you may already be moved onto CareShield Life or eligible to apply. Here is how the two schemes compare and what the switch changes.
Alice
Long-term care costs in Singapore: nursing homes, home care and day care
Government subsidies cut long-term care costs sharply for eligible households, but the size of the cut depends heavily on income and the type of care chosen. Here is how the subsidy framework works.
Chitra
Activities of daily living: how disability is assessed for a claim
Long-term care payouts hinge on a formal test of six specific activities of daily living, not a general sense of frailty. Here is what the test measures and how the assessment actually runs.
Alice
CareShield Life supplements: adding to the national payout
CareShield Life pays a modest monthly sum for life if you become severely disabled. A supplement from a private insurer tops that up. Here is how the two layers fit together and what to check before you add one.
Chitra
CareShield Standard explained: benefits, limits and the fine print
Singlife's CareShield Standard is a two-ADL CareShield Life supplement with a choice of fixed or escalating payouts. Here is what the insurer's published material says it covers.
Alice
CareShield Plus explained: benefits, limits and the fine print
Singlife's CareShield supplement claims at a lower disability threshold than the national scheme itself. Here is what the published material says, and what to verify.
Chitra
Care Secure explained: benefits, limits and the fine print
Income Insurance's Care Secure is a CareShield Life supplement paying S$1,200 to S$5,000 a month. Here is what it adds on top of the national scheme, and what governs the fine print.
Alice