MyLongTermCare and MyLongTermCare Plus

Our supplement for CareShield Life and ElderShield. Enhance your coverage today!

Start planning with us Start planning with us

It's possible to pay little or no cash upfront when you enhance your CareShield Life or ElderShield coverage with us

Use up to S$600 per year1 of your MediSave to pay premiums, so you might not even need to pay cash. Plus enjoy 20% lifetime premium discount*. 

*Terms and conditions apply.

Enhance your CareShield Life / ElderShield coverage for greater financial assurance

One unfortunate moment in life is all it takes to become fully dependent on others for life’s simplest tasks. Long-term care protection will ensure you can afford the care you need in the event of severe disability.

If you hold a CareShield Life or ElderShield policy, you can enhance your coverage with MyLongTermCare or MyLongTermCare Plus for greater financial assurance. 

Higher monthly payouts for life

Get S$200 to S$5,000 more monthly, that's on top of the disability payout from your CareShield Life or ElderShield. The monthly payouts start when you're unable to perform at least 2 out of 6 Activities of Daily Living (ADL)2.

A plan that offers holistic care

 A well-rounded plan that offers more than just monthly payouts. For example, our Dependant Care Benefit offers financial support for your kids so that you can leave your worries aside and focus on recovery. 

Premiums waived when it matters

Future premiums are waived for as long as you're unable to perform at least 1 ADL.

The definition of ADLs and what you need to know about severe disability

Why choose Singlife’s plans for your long-term care needs?

Singapore’s top financial blogs and websites have carefully analysed our plans and here’s what they say. 

MyLongTermCare Plus supplement is the best offering. Another thing that sets their supplement plan apart is the Guaranteed Issuance Option (GIO).


The most well-rounded plan is MyLongTermCare Plus.


Best 2-out-of-6-ADL supplement for CareShield Life upgrade in terms of features.


MyLongTermCare provides the most well-rounded benefits along with a higher payout.


What it means to have a plan that's with you for the long haul

Whether you choose MyLongTermCare or MyLongTermCare Plus, you'll get the freedom to pick different coverage options according to your needs. Here's how they work:

Key benefits

  • Receive S$200 to S$5,000 per month (in increments of S$100) on top of the basic disability payout from your government plan and you'll receive it for as long as you're severely disabled.  
  • Disability payouts start as early as when you're unable to perform 2 ADLs, if you choose MyLongTermCare Plus. With CareShield Life, ElderShield and MyLongTermCare, disability payouts start when you're unable to perform at least 3 ADLs. 
  • Choose fixed payouts or increasing payouts - you have the option of consistent payouts to make budgeting easier or payouts that grow by 2% or 3% annually to help you manage inflation.
  • Receive S$200 to S$5,000 per month (in increments of S$100) on top of your CareShield Life payout, which starts from S$600 per month in 2020.
  • Choose a premium payment period that suits you. You can pay

    a. up to the policy anniversary after your 97th birthday or
    b. for a limited period:

    • up to the policy anniversary after your 67th birthday or
    • for 20 years from entry age (if you join at age 49 or older), whichever is later.

    Note: Premiums will increase at 2% or 3% p.a., the same rate you choose for your increasing payout.

Additional care benefits

  • Lump-sum Benefit (one-time payout)
    Receive 3 times of your first monthly benefit3 when you're severely disabled2
  • Rehabilitation Benefit (only applicable to MyLongTermCare)
    Receive 50% of your last monthly benefit3 when your condition improves but you're still unable to perform 2 ADL 
  • Dependant Care Benefit
    Get an additional 20% of your monthly benefit3 for up to 36 months when you’re receiving the monthly benefit3 or Rehabilitation Benefit and have a child of age 22 and below 
  • Caregiver Relief Benefit
    Get an additional 60% of your monthly benefit3 for up to 12 months when you're receiving the monthly benefit3 or Rehabilitation Benefit
  • Waiver of Premium
    Stop paying premiums when you have a mild disability - that's when you’re unable to perform at least 1 ADL
  • Death Benefit (one-time payout)
    Your beneficiaries will receive 3 times of your last paid monthly benefit3 or Rehabilitation Benefit should you pass away while receiving either of these benefit payouts
  • Guaranteed Issuance Option4 
    Increase your monthly benefit3 easily and without underwriting hassle at key milestones such as buying a property or becoming a parent

Note: Deferment Period applies for selected benefits5.


Enhance your coverage with Singlife today!

If you're 30 and above and eligible for CareShield Life or you're an existing ElderShield policyholder, leave us your details to find out more about how to enhance your long-term care coverage.

Thank you for your submission.

Please enable javascript on your internet browser in order to use this form

By clicking "Start planning with us", you consent to Singapore Life Ltd. (“Singlife”) and Singlife related group of companies contacting you for the processing of the above request. You also consent to Singlife collecting, using, disclosing or transferring your personal data in this form to Singlife related companies, third party providers or intermediaries, whether located in Singapore or elsewhere, for the above purposes and for research, audit, regulatory and compliance purposes. For details of Singlife's Data Protection Notice, please refer to

You will need to have a CareShield Life (CSHL) or ElderShield (ESH) policy before purchasing MyLongTermCare or MyLongTermCare Plus (“Supplements”). 

Supplements purchased by CSHL policyholders are regulated under the CareShield Life and Long-term Care Act. Supplements purchased by ESH policyholders before the transfer of ESH to Government administration are considered ESH Supplements, which are regulated under the Central Provident Fund (Withdrawals for ElderShield Scheme) Regulations. After the transfer, they are considered CSHL Supplements, regulated under the CareShield Life and Long-term Care Act.

This policy is underwritten by Singapore Life Ltd ("Singlife"). 

This is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. A copy of the Product Summary may be obtained from us or our participating distributors' offices. You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you. Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract. 

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is accurate as at January 2022.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association or SDIC websites ( or