Care Secure Pro (CareShield Life Supplement)

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.

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.

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.

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.

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.

You must be an existing CareShield Life or Basic ElderShield policyholder. 

The disability benefit can be selected in multiples of $10, from a minimum of $200 to a maximum of S$5,000.

You can use your CPF MediSave account to pay for your Care Secure Pro premiums. If you do not have enough funds in your account, you can use the CPF MediSave accounts of your spouse, parents, children or grandchildren. To do so, you are required to complete and submit the Change of Premium Payment Method form.

Alternatively, you can pay the full premium by cash or GIRO. 

You should note that the maximum amount that you can use from the CPF MediSave account(s) to pay for ElderShield Supplements and CareShield Life Supplements is S$600 per insured per calendar year. You will have to pay any remaining amount by cash or GIRO.

The premium that you pay for your policy can change. If we change the premium for your policy, we will write to you at your last-known address. We will do this at least 30 days before the change is to take place. We will tell you what your new premium will be.

Yes, you can. However, you should note that the maximum amount that you can use from the CPF MediSave account(s) to pay for ElderShield Supplements and CareShield Life Supplements is S$600 per insured per calendar year. This means that if your existing ElderShield Supplements and CareShield Life Supplement have already used up the S$600 limit, you will have to pay your Care Secure Pro premiums in cash or GIRO.

No. In order to apply for Care Secure Pro, your Basic ElderShield or CareShield Life policy has to be in force. Care Secure Pro is a supplement plan to your Basic ElderShield or CareShield Life policy.

Yes, it does. After you have made a minimum number of premium payments, your Care Secure Pro policy will be treated as paid-up. This means that your Care Secure Pro policy will not terminate due to non-payment of premiums. Your Care Secure Pro policy will instead have a reduced benefit.

It may take some time for the bank to approve the Interbank GIRO application. Meanwhile, we will send you a premium notice when premium is due, in which case, you must pay us the premium by cash.

Yes, you may backdate your policy only if all the conditions are met:

1. The policy is backdated to a date within 6 months from the application received date;
2. The policy is backdated to a date within 6 months within the calendar year;
3. Underwriting is approved; and
4. The policy is backdated to a date on or after the launch date of the plan.

You will need to complete the Change of Premium Payment Method form at least two weeks before your policy renewal date.

You can choose to submit the completed form:

• At any Income branch
• Send it by post to Income Centre 75 Bras Basah Road Singapore 189557

Yes, you can. You will need to complete the Alteration form. Please seek your advisor's assistance to generate and submit a Plan and Premium Summary (with the revised monthly disability benefit) with this form.

For increase in monthly benefit, the changes to the policy can only be approved if

• the policy duration is less than one year from your Care Secure Pro policy start date; and
• the Alteration form is submitted to us before age 69.
  

Your application will be subject to underwriting (only for request to increase benefit).

For decrease in monthly benefit, the changes can only be approved if

• the new disability benefit is not lower than the minimum disability benefit of S$1,200; and
• the Alteration form is submitted to us.
  

There is no refund of difference in premium for decrease in monthly benefit.

You can choose to submit the completed form:

• At any Income branch
• Send it by post to Income Centre 75 Bras Basah Road Singapore 189557

Once approved, changes will be effective from your next policy renewal and the revised premium is based on the entry age at policy inception and the revised disability benefit.

Anyone who pays for, or is insured under Care Secure Pro is not eligible for Additional Premium Support (APS) from the Government. ^

If you are currently receiving APS to pay for your MediShield Life and/or CareShield Life premiums, and you choose to be insured under Care Secure Pro, you will stop receiving APS. This applies even if you are not the person paying for Care Secure Pro. In addition, if you choose to be insured under Care Secure Pro, the person paying for Care Secure Pro will stop receiving APS, if he or she is currently receiving APS.

^ APS is for families who need assistance with MediShield Life and/or CareShield Life premiums, even after receiving premium subsidies and making use of MediSave to pay for these premiums.