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

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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.
ADL-washing   ADL-dressing   ADL-feeding
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.

Enjoy payment flexibility.

Find out more about how Care Secure Pro can meet your needs.


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Your queries answered.

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.

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

Disability StatusBenefit
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.


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


Disability StatusBenefit
Moderately disabled300% of disability benefit
Severely disabled600% 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.

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 statusBenefit
Moderately disabled25% of the disability benefit, for up to 36 months in your lifetime.
Severely disabled25% 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).

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 statusBenefit
Moderately disabled60% of the disability benefit, for up to 12 months in your lifetime.
Severely disabled60% 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.

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.

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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