Singlife CareShield Standard and Plus

Key Features & Benefits

Additional Payouts for Severe Disability

S$200 to S$5,000 more on top of basic severe disability payouts from the government, for as long as you're severely disabled¹.

Support Starts Upon Onset of Disability

Receive additional monthly payout of up to 12 months with the Add-on Benefit² if you are unable to perform any Activities of Daily Living (ADLs)^*. Stop paying your premiums but remain covered when you have a mild disability.

Pay on Your Own Terms

Pick fixed or increasing payouts, and your preferred premium payment period up to the policy anniversary after you turn 98, or for a limited time³. Pay your premiums with your MediSave⁴, and you'll spend little or no cash from your pocket.

Lump-Sum Payouts

Get a lump-sum benefit that's 3x your monthly benefit⁵, when you're severely disabled - this can help with one-time costs, such as in the purchase of a wheelchair.

Family Matters

If you're severely disabled, get additional payouts if you have children under 22⁶; to help cover caregiver costs⁷; and to support your dependants when you die⁸.

Better Supplements for Life Events

Entering parenthood or purchasing property? Increase your payouts when it matters, without underwriting hassle⁹.

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.

Buy Singlife CareShield Standard/Plus

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Client Acknowledgement

This insurance plan is underwritten by Singlife. All insurance applications are subject to Singlife’s underwriting and acceptance.

By proceeding with the product application, you acknowledge and agree that:

• Financial Alliance Pte Ltd ("FAPL") may collect, use, and disclose your personal data, as provided by the insurance company to FAPL as a result of your application, for the following purpose(s) in accordance with the Personal Data Protection Act 2012 and our data protection policy:

a) the processing of your application; and
b) the administration and servicing of your policy

Please visit our website for further details on our data protection policy, including how you may access and correct your personal data or withdraw consent to the collection, use or disclosure of your personal data.

• All information submitted through this website will be your own, and will be true, accurate, and unaltered.

• Insurance plays an important role in your financial planning, and buying an insurance product is a long-term commitment. You should read the product summary and seek financial advice from your Financial Consultant before purchasing this policy. Should you choose not to, you shall be responsible for ensuring that the policy is suitable and appropriate in meeting your financial needs and objectives.

I accept the above terms & conditions and acknowledge that my information will be used for the aforementioned purposes.

Need Advice?

Meet Your #ChooseQuality
Financial Adviser Representative

Zhang Huachao

Financial Advisor @ Financial Alliance

About Zhang Huachao

大家好，我是张华超，过去6年，我一直在金融行业工作。毕业后，我加入新加坡普华永道，从审计到财务尽职调查（FDD），后来又进入企业投资团队，参与一级市场并购项目。过去的工作让我习惯从财务数据、商业模式和风险的角度，去判断一家企业真正的价值。

现在，我把这套思维带到了个人财富规划中。作为一名独立理财顾问，我主要帮助个人和家庭梳理自己的财务状况，从保障、投资、现金流和长期目标出发，制定更适合自己的财富规划方案。我持有ACCA及CFA等专业资格，也希望把多年积累的分析能力和投资经验，真正用在客户的长期财务决策上。

我始终相信，理财不是简单地选择一个产品，而是先看清自己的情况，再做出适合自己的选择。对我来说，专业很重要，但同样重要的是站在客户的角度思考，用透明、专业的方式，陪客户做出适合自己的财务规划。

Hi, I’m Sherry Zhang. I’ve spent the past six years working in the financial industry. I started my career at PwC Singapore, where I worked in audit and Financial Due Diligence (FDD), before moving into corporate investment and M&A. My experience has taught me to look beyond the numbers — to understand the underlying business, assess risks and make informed investment decisions.

Today, I bring the same approach to personal wealth planning. As an Independent Financial Adviser, I help individuals and families make sense of their financial situation and build a plan around protection, investments, cash flow and their long-term goals. I hold professional qualifications including ACCA and CFA, and I aim to bring the analytical discipline and investment perspective from my previous experience into every client relationship.

I believe financial planning is about much more than choosing the right product. It starts with understanding where you are, where you want to go, and making thoughtful decisions along the way. For me, professionalism matters, but so does being able to see things from my clients’ perspective — providing advice that is clear, transparent and genuinely aligned with their long-term interests.