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Protection gaps · 4 of 4

The longest bad day: years of care that CareShield alone won’t fund

Severe disability — unable to do 3 of 6 daily activities — can last decades. CareShield Life pays a base of S$689/month for 2026 claims; real care costs run two to five times that. This is the least-insured gap in Singapore, and the cheapest to close early.

The care scenario

Care setting (modeled presets — edit below)

Payable when severely disabled — unable to perform 3 of 6 activities of daily living. CareShield Life pays S$689/mo for first claims in 2026 (official; payouts now grow 4%/yr to 2030), for as long as the disability lasts. Care-cost presets are modeled planning figures before subsidies — replace with your own quote.

Long-term care gapS$711/mo

S$1,600/mo of care minus S$889/mo of CareShield Life, supplements and MediSave Care

Care costS$1,600/mo
Payouts stackedS$889/mo
Gap over 10 yearsS$85,320
S$711/mo — S$85,320 over 10 years — falls on the familyThis is the gap CareShield supplements exist for: they top the S$689/mo base up to S$2,000–5,000/mo, paid with MediSave (up to S$600/yr) — often the cheapest protection layer people never buy. An adviser can compare the three insurers’ supplements.

A planning screen from official CareShield Life figures and your own care estimates — not advice. Actual payouts depend on claim year and disability duration; supplements differ in ADL triggers (some pay at 2 of 6), payout sizes and premiums; subsidies (means-tested) can reduce care costs substantially. Confirm with the official AIC/CPF resources or a licensed adviser.

Supplements are cheap while you're healthy

Free and no obligation — an adviser can help you:

  • Compare the three insurers' CareShield supplements — ADL triggers, payout sizes, premium age-bands differ
  • Premiums are MediSave-payable up to S$600/yr — often near-zero cash outlay
  • Coordinate with TPD cover and family plans so the care burden doesn't default to one child
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