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.
Buy Now
Hello! I’m Judy Lang.
Navigating the world of finance can sometimes feel overwhelming, but you don't have to do it alone. Through the years, I’ve had the privilege of helping individuals and families in Singapore find clarity and confidence in their financial lives.
My approach is simple: I believe financial health is just like physical health—it requires a little care, a good plan, and a supportive coach. That’s why I use the F.I.T. Programme:
Financial Management: We’ll sit down and chat about your dreams—whether it's a comfortable retirement or your children's education—and map out a stress-free path to get there.
Insurance Planning: Life is unpredictable, but your peace of mind shouldn't be. I help ensure you and your loved ones are protected against life’s "what-ifs."
Transfer of Wealth: It’s never too early to care for the people you love. We will organize your legacy so your assets are distributed exactly as you wish.
Think of me not just as an advisor, but as a partner who checks in regularly to make sure you’re staying "F.I.T." and happy with your progress.
Ready to chat? Drop me a message. I’d love to hear your story and explore how we can turn your goals into reality.
Telegram: @JudyLang
🌍 Global Health Insurance for Individuals 💼
I specialize in helping expats, inpats, and globally mobile individuals and their families secure private medical insurance as they relocate to Singapore for work or business. Moving to a new country can be overwhelming, with so much to manage, from housing to settling into a new job. One essential piece of the puzzle is having proper health insurance coverage—because without it, unexpected medical expenses can quickly become a financial burden.
💡 Complex Health Insurance Planning and Application
Health needs evolve over time, and sometimes, pre-existing medical conditions can make securing the right coverage difficult. With my expertise in Global Medical Health Insurance, I’ve helped many clients with specific health challenges navigate these complexities and successfully obtain coverage. My goal is to provide peace of mind by ensuring you are protected, no matter what health issues arise.
💼 Managing Your Personal Financial Portfolio
While wealth-building is important, protecting your financial baseline through proper insurance is essential. Every family and individual has unique needs, and I’m here to help you evaluate whether you’re adequately protected. With access to a wide range of services and platforms, I can help you find the wealth-building path that works for you. Let's work together to ensure both your health and financial goals are secure.