Care Secure Pro

Please note that only Singapore Citizens and Permanent Residents with a CareShield Life or ElderShield policy are currently eligible to apply.

Did you know

Facts and figures

1 in 2 Singapore Residents are expected to develop severe disability at some point in their lifetime and may need long-term care¹.

Disability is a major risk, arising not only in one’s senior years but also among younger people who have a stroke or worsening chronic disease². 31.2% of the resident population aged 15 to 64 who were unable to perform or had a lot of difficulty performing at least one basic activity were in the labour force in 2020³. More than half of those receiving a payout from CareShield Life are under 40².

Singapore’s road fatalities and injuries hit a five-year high in 2024. The number of people injured was also up, from 8,941 in 2023 to 9,302 in 2024⁴. Accidents can leave even healthy, working adults with mild to severe disabilities.

In the event of severe disability, you may require long-term care services like rehabilitation, centre-based care, home-based care or nursing care. Depending on the services that are required, this may easily cost a thousand dollars or more per month⁵. Without added insurance coverage, these expenses can cause financial strain on you and your family.

Activities of Daily Living (ADLs)


WASHING The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.	DRESSING The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.	FEEDING The ability to feed oneself food after it has been prepared and made available.


TOILETING The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.	WALKING OR MOVING AROUND The ability to move indoors from room to room on level surfaces.	TRANSFERRING The ability to move from a bed to an upright chair or wheelchair, and vice versa.

Here’s how Care Secure Pro enhances CareShield Life or Basic ElderShield coverage for disability.

Receive monthly payouts[6] of 60% of disability benefit for up to 60 months if you are unable to perform one ADL before age 75 last birthday.
Receive a lifetime of monthly disability benefit[6][7] for moderate and severe disability.
Get a Support Benefit[8] of 600% of disability benefit when you are unable to perform three ADLs. If you are unable to perform two ADLs, get 300% of disability benefit and an additional 300% of disability benefit if your disability worsens to being unable to perform at least three ADLs.
Support your loved ones with Dependant Benefit[9], which provides a monthly payout of 25% of disability benefit for up to 36 months when you are unable to perform at least two ADLs.
To help support caregiving costs, the Caregiver Benefit[10] provides a monthly payout of 60% of disability benefit for up to 12 months when you are unable to perform at least two ADLs.
Get additional payouts for severe disability, on top of your CareShield Life or ElderShield benefits, for as long as you are unable to perform at least three ADLs.

Enjoy payment flexibility.

Choose from two premium payment options, up to 67 or 99[11] age last birthday, to suit your needs.
Pay your premiums easily using your MediSave. No additional cash top-up may be required up to a withdrawal limit of $600 (per insured per calendar year)[12].

How Care Secure Pro Provides Greater Coverage for Your Long-Term Care Needs

One ADL + Two ADLs
Age 32:
Andy, age 32, married, is covered under CareShield Life, and he has decided to supplement his long-term care coverage with Care Secure Pro. He chooses a monthly disability benefit^1,² of $1,200 and opts to pay his premiums till age 99 (last birthday). He pays an annual premium of $790.

Age 35:
Andy suffers a mild stroke. He is unable to perform one ADL and is certified as mildly disabled.

Age 35 to 37:
Andy starts to receive his monthly Disability Benefit¹ of $720 from Care Secure Pro for 24 months, which totals to $17,280. His future premiums are also waived³during this period of disability.

Age 38:
Andy recovers from his mild disability and starts paying premiums.

Age 60:
Andy meets with a serious road accident and is unable to perform two ADLs two ADLs. He is certified as moderately disabled.

Age 60 to 80:
Andy receives the following payout while getting a waiver on his future premiums³:
Monthly Disability Benefit¹of $1,200 for 20 years, which totals to $288,000
A lump sum Support Benefit⁴of $3,600
Dependant Benefit⁵of $300 for 36 months, which totals to $10,800
Caregiver Benefit⁶of $720 for 12 months, which totals to $8,640
He would have hence received a total payout of $311,040.

Age 80:
Andy would have received a total payout of $328,320 from Care Secure Pro when he was certified as mildly and moderately disabled. The monthly payout will continue for as long as he remains disabled.
The figures used are for illustrative purposes only and are rounded to the nearest dollar. The figures assume that the payout is not limited or excluded by policy terms and conditions.
Important Notes
¹If you become and continue to be disabled, we will pay a monthly Disability Benefit. We pay the Disability Benefit depending on the following conditions:
When we have approved the claim, we will pay the first payment of the monthly Disability Benefit on the day immediately after the deferment period. We will then pay it on the same day every month thereafter. If we do not approve the claim until after the deferment period, the first payment of the monthly Disability Benefit will be treated as due from the day immediately after the deferment period.
If you recover from mild disability and you have not fully used the amount under this benefit for mild disability, you may make another claim for the remaining amount if you become mildly disabled again up to the applicable limits in your lifetime.
If you recover from the moderate disability or severe disability (where applicable) but become moderately disabled or severely disabled again, you are entitled to further payment of this benefit.
Deferment period means the 90-day period from the claim date (inclusive). We will pay the first benefit payment immediately after the deferment period.
²You can choose a monthly disability benefit level from $200 to $5,000 in multiples of $10.
³After the deferment period, if you are disabled on the date when the premium is due, you do not have to pay the premium. You will have to start paying premiums again after you are no longer disabled.
⁴If you become and continue to be moderately disabled or severely disabled, we will pay the Support Benefit. We will pay the Support Benefit immediately after the deferment period. The maximum Support Benefit we will pay is 600% of the disability benefit as of the claim date. If you become moderately disabled, you can only make another claim for the remaining amount of Support Benefit if you later become severely disabled.
⁵If you have at least one dependant and you become moderately disabled or severely disabled, we pay the monthly Dependant Benefit. This benefit depends on the following conditions.
If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime.
If the child is no longer considered a child (because of their age or otherwise) at any time after we have begun paying this benefit, we will continue to pay this benefit until your death or you recover from moderate disability or severe disability. The payment will then end.
We only have to start paying the Dependant Benefit after the deferment period.
If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).
⁶If you become and continue to be moderately disabled or severely disabled, we pay the monthly Caregiver Benefit. If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime. We only have to start paying the Caregiver Benefit after the deferment period. If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).
Three ADLs
Age 40:
Jane, age 40, married with two young children, is covered under CareShield Life, and she decided to supplement her long-term care coverage with Care Secure Pro. She chooses a monthly disability benefit^1,² of $1,500 and opts to pay her premiums till age 99 (last birthday). She pays an annual premium of $1,657.

Age 55:
Jane suffers from a major stroke. She is unable to perform three ADLs and is certified as severely disabled.

Age 55 to 75:
Jane receives the following payout while getting a waiver on her future premiums³:
Monthly Disability Benefit¹of $1,500 for 20 years, which totals to $360,000
A lump sum Support Benefit⁴of $9,000
Dependant Benefit⁵of $375 for 36 months, which totals to $13,500
Caregiver Benefit⁶of $900 for 12 months, which totals to $10,800
Jane would have received a total payout of $393,300 from Care Secure Pro.

Age 75:
Jane passes away, and her loved ones would receive a Death Benefit⁷ of $4,500.
Total payout from Care Secure Pro policy: $397,800
The payouts illustrated above are in addition to the CareShield Life payouts (if Jane is eligible for CareShield Life payouts). The figures used are for illustrative purposes only and are rounded to the nearest dollar. The figures assume that the payout is not limited or excluded by policy terms and conditions.
Important notes
¹If you become and continue to be disabled, we will pay a monthly Disability Benefit. We pay the Disability Benefit depending on the following conditions:
When we have approved the claim, we will pay the first payment of the monthly Disability Benefit on the day immediately after the deferment period. We will then pay it on the same day every month thereafter. If we do not approve the claim until after the deferment period, the first payment of the monthly Disability Benefit will be treated as due from the day immediately after the deferment period.
If you recover from mild disability and you have not fully used the amount under this benefit for mild disability, you may make another claim for the remaining amount if you become mildly disabled again up to the applicable limits in your lifetime.
If you recover from the moderate disability or severe disability (where applicable) but become moderately disabled or severely disabled again, you are entitled to further payment of this benefit.
Deferment period means the 90-day period from the claim date (inclusive). We will pay the first benefit payment immediately after the deferment period.
²You can choose a monthly disability benefit level from $200 to $5,000 in multiples of $10.
³After the deferment period, if you are disabled on the date when the premium is due, you do not have to pay the premium. You will have to start paying premiums again after you are no longer disabled.
⁴If you become and continue to be moderately disabled or severely disabled, we will pay the Support Benefit. We will pay the Support Benefit immediately after the deferment period. The maximum Support Benefit we will pay is 600% of the disability benefit as of the claim date. If you become moderately disabled, you can only make another claim for the remaining amount of Support Benefit if you later become severely disabled.
⁵If you have at least one dependant and you become moderately disabled or severely disabled, we pay the monthly Dependant Benefit. This benefit depends on the following conditions.
If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime.
If the child is no longer considered a child (because of their age or otherwise) at any time after we have begun paying this benefit, we will continue to pay this benefit until your death or you recover from moderate disability or severe disability. The payment will then end.
We only have to start paying the Dependant Benefit after the deferment period.
If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).
⁶If you become and continue to be moderately disabled or severely disabled, we pay the monthly Caregiver Benefit. If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime. We only have to start paying the Caregiver Benefit after the deferment period. If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).
⁷We will pay the Death Benefit as of the date of your death, if:
the date of your death is after the deferment period and during the term of your policy; and
you are disabled at the time of your death.

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Brochures

Care Secure Pro Brochure (English)

Policy conditions

Policy Conditions

Your queries answered.

What is Care Secure Pro?

Care Secure Pro is an insurance plan which pays you a monthly sum if you become and continue to be disabled. It is designed to provide benefits to meet the needs of those who would like more comprehensive disability cover.

What is the disability benefit payable?

If you become and continue to be disabled, we will pay a monthly disability benefit for life, as shown in the table below.

Disability Status	Benefit
Mildly disabled	• Before 75 age last birthday as of the claim date: 60% of disability benefit, for up to 60 months in your lifetime. • On and after 75 age last birthday as of the claim date: 100% of disability benefit, for up to 12 months in your lifetime. We will only pay up to a total of 3600% of the disability benefit for all mild disability in your lifetime.
Moderately disabled	100% of disability benefit There is no limit on the total benefits paid for moderate disability and severe disability in your lifetime.
Severely disabled	100% of disability benefit There is no limit on the total benefits paid for moderate disability and severe disability in your lifetime.

We pay the disability benefit depending on the following conditions:

• When we have approved the claim, we will pay the first payment of monthly disability benefit on the day immediately after the deferment period. We will then pay it on the same day every month thereafter. If we do not approve the claim until after the deferment period, the first payment of the monthly disability benefit will be treated as due from the day immediately after the deferment period.

• If you recover from mild disability and you have not fully used the amount under this benefit for mild disability, you may make another claim for the remaining amount if you become mildly disabled again up to the applicable limits in table 1 in your lifetime.

•If you recover from the moderate disability or severe disability (where applicable) but become moderately disabled or severely disabled again, you are entitled to further payment of this benefit.

What is the support benefit payable?

If you become and continue to be moderately disabled or severely disabled, we pay the support benefit shown in the table below.

Disability Status	Benefit
Moderately disabled	300% of disability benefit
Severely disabled	600% of disability benefit

We will pay the support benefit immediately after the deferment period.

The maximum support benefit we will pay is 600% of the disability benefit as of the claim date. If you become moderately disabled, you can only make another claim for the remaining amount of support benefit if you later become severely disabled.

To avoid doubt, if you recover from moderate disability and become moderately disabled again, we will not pay this benefit.

What is the dependant benefit payable?

If you have at least one dependant and you become moderately disabled or severely disabled, we pay the monthly dependant benefit as shown in the table below.

Disability status	Benefit
Moderately disabled	25% of the disability benefit, for up to 36 months in your lifetime.
Severely disabled	25% of the disability benefit, for up to 36 months in your lifetime.

This benefit depends on the following conditions.

• If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in table 3 in your lifetime.

• If the child is no longer considered a child (because of their age or otherwise) at any time after we have begun paying this benefit, we will continue to pay this benefit until your death or you recover from moderate disability or severe disability. The payment will then end.

We only have to start paying the dependant benefit after the deferment period.

If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).

What is the caregiver benefit payable?

If you become and continue to be moderately disabled or severely disabled, we pay the monthly caregiver benefit as shown in the table below.

Disability status	Benefit
Moderately disabled	60% of the disability benefit, for up to 12 months in your lifetime.
Severely disabled	60% of the disability benefit, for up to 12 months in your lifetime.

If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in the table above in your lifetime.

What is the death benefit payable?

We will pay the death benefit, which is 300% of the disability benefit, as of the date of your death, if:

• the date of your death is after the deferment period and during the term of your policy; and

• you are disabled at the time of your death.

What is the definition of disability?

Disability means a mild disability, moderate disability or severe disability, as appropriate. Disabled means having a mild disability, moderate disability or severe disability.

Mild disability or mildly disabled means your inability to perform one of the activities of daily living, even with the aid of special equipment and always to require the physical assistance of another person throughout the entire activity.

Moderate disability or moderately disabled means your inability to perform two of the activities of daily living, even with the aid of special equipment and always to require the physical assistance of another person throughout the entire activity.

Severe disability or severely disabled means your inability to perform at least three of the activities of daily living, even with the aid of special equipment and always to require the physical assistance of another person throughout the entire activity.

Activities of daily living means the following:

• Washing – the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.

• Dressing – the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.

• Feeding – the ability to feed oneself food after it has been prepared and made available.

• Toileting – the ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.

• Walking or moving around– the ability to move indoors from room to room on level surfaces.

• Transferring – the ability to move from a bed to an upright chair or wheelchair, and vice versa.

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Important notes

Footnotes

Ministry of Health, Singapore.
The Business Times, CareShield Life: affordable cover for a potentially long-term financial burden.
Singapore Department of Statistics, Census of population 2020 - Difficulty Performing Basic Activities.
The Straits Times, Traffic deaths, injuries hit five-year high; increase in fatal accidents linked to speeding.
Dollars And Sense, CareShield Life Supplementary Plan: Why We Think Every Working Adult Should Consider Applying For One.
If you become and continue to be disabled, we will pay a monthly Disability Benefit. We pay the Disability Benefit depending on the following conditions:
- When we have approved the claim, we will pay the first payment of the monthly Disability Benefit on the day immediately after the deferment period. We will then pay it on the same day every month thereafter. If we do not approve the claim until after the deferment period, the first payment of the monthly Disability Benefit will be treated as due from the day immediately after the deferment period.
- If you recover from mild disability and you have not fully used the amount under this benefit for mild disability, you may make another claim for the remaining amount if you become mildly disabled again up to the applicable limits in your lifetime.
- If you recover from the moderate disability or severe disability (where applicable) but become moderately disabled or severely disabled again, you are entitled to further payment of this benefit.
Deferment period means the 90-day period from the claim date (inclusive). We will pay the first benefit payment immediately after the deferment period.
Applicable to only moderately disabled and severely disabled. There is no limit for the total benefits paid for moderate disability and severe disability in your lifetime under the Disability Benefit.
If you become and continue to be moderately disabled or severely disabled, we will pay the Support Benefit. We will pay the Support Benefit immediately after the deferment period. The maximum Support Benefit we will pay is 600% of the disability benefit as of the claim date. If you become moderately disabled, you can only make another claim for the remaining amount of Support Benefit if you later become severely disabled.
If you have at least one dependant and you become moderately disabled or severely disabled, we pay the monthly Dependant Benefit. This benefit depends on the following conditions.
- If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime.
- If the child is no longer considered a child (because of their age or otherwise) at any time after we have begun paying this benefit, we will continue to pay this benefit until your death or you recover from moderate disability or severe disability. The payment will then end.
We only have to start paying the Dependant Benefit after the deferment period.
If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).
If you become and continue to be moderately disabled or severely disabled, we pay the monthly Caregiver Benefit. If you recover from moderate disability or severe disability and you have not fully used the amount under this benefit, you may make another claim for the remaining amount if you become moderately disabled or severely disabled again up to the applicable limit in your lifetime. We only have to start paying the Caregiver Benefit after the deferment period. If you recover from moderate disability or severe disability, or die after we have started paying this benefit, this benefit will end immediately on the date of your recovery or death (as the case may be).
For premium term up to 67 age last birthday, the minimum entry age is 30 (age last birthday) and the maximum entry age is 47 (age last birthday). For premium term up to 99 age last birthday, the minimum entry age is 30 (age last birthday) and the maximum entry age is 69 (age last birthday).
If there are insufficient funds in the designated MediSave account or if the premium exceeds the MediSave withdrawal limit of up to $600 per insured per calendar year, cash payments will be required for the difference.
Upon successful purchase of a Care Secure Pro Plan (a “Qualifying Policy”), customers will be eligible to receive 25% off on insurance premium throughout the period in which the Qualifying Policy is in force. The Promotion is applicable to the first year and subsequent renewals, and loaded premium(s) if any. This Promotion does not apply to the premium for the CareShield Life portion. This Promotion can only be enjoyed once. For avoidance of doubt, a customer with any existing Qualifying Policy, whether before or during the Promotion Period and whether with any eligibility to enjoy the Promotion, who subsequently increases their sum assured and/or premium amount, or tops-up, will not be eligible to enjoy this Promotion as a result of such increase(s) in sum assured and/or premium amount, or top-ups. Promotion ends 8 September 2026. Please refer to income.com.sg/care-secure-pro/perpetual-discount-tnc.pdf for further details.

Important Notes

Care Secure Pro can be purchased by CareShield Life or ElderShield policyholders.

This is for general information only and does not constitute an offer, recommendation, solicitation, or advice to buy or sell any product(s). You can find the usual terms, conditions and exclusions of this plan in the policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance advisor. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period and obtain a refund of the premiums paid.

This policy is 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 Income Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 23 September 2025.