Singlife CareShield Standard and Plus
Two government-approved supplement plans that boost your CareShield Life or ElderShield payouts so that you can get the care you need during unexpected events in life.
Two government-approved supplement plans that boost your CareShield Life or ElderShield payouts so that you can get the care you need during unexpected events in life.
Footnotes
All ages mentioned refer to age next birthday (ANB).
* Activities of Daily Living (ADLs) refer to washing, toileting, feeding, dressing, transferring around and walking or moving around.
1. You are unable to perform at least two (for Singlife CareShield Plus) or three (for Singlife CareShield Standard) of the six Activities of Daily Living (ADLs).
2. Add-on Benefit payouts start when you're unable to perform 2 ADLs for Singlife CareShield Standard and 1 ADL for Singlife CareShield Plus.
3. There are two ways to pay for a limited time; the later of the two options will apply. The two ways are:
a) The Life Assured may pay up to the policy anniversary after they turn 68
b) The Life Assured may pay for 20 years from entry age (if Life Assured joins at age 49 or older)
4. MediSave use is applicable to an amount of up to S$600, per calendar year, per life assured. Premiums exceeding this limit will have to be paid in cash. If there are insufficient funds in the designated MediSave account, cash payment will be required for the difference.
5. The monthly benefit refers to the monthly payout when the Life Assured suffers from a Severe Disability, as defined in the plan.
6. The Life Assured may receive an additional 20% of their monthly benefit - for up to 36 months - while they're receiving their monthly benefit or rehabilitation benefit.
7. The Life Assured may receive an additional 60% of their monthly benefit - for up to 12 months - while they're receiving their monthly benefit or rehabilitation benefit.
8. A lump sum benefit will be payable if the Life Assured dies due to any accident or sickness while receiving either the Severe Disability Benefit or the Rehabilitation Benefit. The Death Benefit will amount to 3 times of the last paid Severe Disability Benefit or the Rehabilitation Benefit, whichever is applicable.
9. The policyholder may exercise this option, without providing further evidence of insurability at any of the following life stage events, when the Life Assured:
a) purchases a property;
b) marries, divorces or is widowed;
c) becomes a parent by having a newborn child or by adopting a child below 19 years old
d) salary increases by 50% or more from application;
e) completes a skills development course of at least six months;
f) purchases a new individual life insurance policy or a Supplementary Benefit from us, with full underwriting at standard terms; or
g) spouse suffers a Severe Disability (with the inability to perform at least three of the six ADLs) or dies.
This option allows the policyholder to increase the policy's monthly benefit with extra premium payable. The total monthly benefit that can be increased under this option is limited to 50% of the policy’s initial monthly benefit, as agreed at policy inception or at the date this option is exercised – whichever is lower. This option is extended to standard life only. Please refer to the Product Summary for more details.
Both plans offer enhanced support for severe disabilities in addition to the existing government schemes, so you can have better assurance for you and your loved ones.
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作为一名常驻新加坡的资深财富管理顾问，我拥有超过8年的行业经验及工商管理硕士（MBA）学历，专注服务高净值与超高净值家庭，帮助他们在复杂多变的全球环境中稳健增长资产，并实现跨代传承。
我已成功为超过100个家庭建立并优化财富架构，覆盖跨境资产配置、信托与基金架构设计、税务与合规筹划、家族企业传承、慈善信托及全方位风险管理等领域。
在财富管理中，架构是核心——只有合理的架构与整体规划，才能在税务筹划、资产保护、传承效率等方面发挥最大优势。缺乏合理架构，财富不仅难以高效增值，还可能在跨境传承或资产流动中因税务、法律或合规问题而蒙受损失。我深入洞察客户在全球资产布局中可能面临的风险，提前发现并规避潜在的结构性漏洞，确保财富架构安全稳固、经得起时间与政策的考验。
我深谙新加坡及主要国际金融中心的法律、税务与市场规则，擅长将全球视野与本地优势结合，为客户定制稳健、可持续、具有前瞻性的财富规划。
我始终秉持 “长期、安全、可持续” 的理念，不仅守护财富本身，更关注财富背后的家族价值观、使命与愿景，让财富成为连接代际的纽带。真正的财富管理，不只是资产的增长，而是家族精神与社会责任的延续。
As a senior Financial Advisor based in Singapore, I bring over 8 years of experience and hold an MBA, specializing in working with High-Net-Worth (HNW) and Ultra-High-Net-Worth (UHNW) families. I help clients navigate the complexities of global markets, safeguarding their assets while building enduring legacies.
I have successfully advised more than 100 families, designing and implementing wealth structures that cover cross-border asset allocation, trust and fund structuring, tax and compliance planning, family business succession, philanthropic trusts, and comprehensive risk management.
In wealth management, structure is everything, only with a well-designed structure and an integrated plan can tax optimization, asset protection, and succession efficiency be fully realized. Without the right structure, wealth can be exposed to unnecessary risks, from tax inefficiencies to cross-border legal complications. I work closely with clients to identify potential weaknesses within their existing structures, proactively mitigating risks and ensuring that their wealth architecture is secure, efficient, and resilient to both time and regulatory changes.
With deep knowledge of Singapore’s financial framework and extensive exposure to key global financial hubs, I combine a global perspective with local expertise to create robust, future-proof strategies.
My philosophy is “Long-term, Secure, and Sustainable”—protecting wealth is just the beginning. I focus on preserving the vision, values, and purpose behind the wealth, ensuring that success is measured not only in financial growth, but in the continuity of family identity and generational prosperity.