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MyLongTermCare & MyLongTermCare Plus

Enhance your CareShield Life or ElderShield coverage today!

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What about upsizing your CareShield Life coverage for even better payouts?

Upsize your long-term care plan now and enjoy lower premiums (comes with your young age!), plus a 20% lifetime discount* on your payments. It only gets better, so don’t wait! Scroll down to find out more.

*Terms and conditions apply.

Introducing MyLongTermCare and MyLongTermCare Plus

MyLongTermCare and MyLongTermCare Plus are Singapore government-approved severe disability insurance plans that give you additional payouts on top of your CareShield Life or ElderShield payouts, for life. They come with other benefits to support both you and your loved ones.


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 severe disability insurance coverage with MyLongTermCare or MyLongTermCare Plus for more financial assurance.

Use up to S$600 per year1 of your MediSave to pay premiums, so you might not even need to pay cash.

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



MyLongTermCare Plus

Monthly benefit payout criteria

Severe Disability payouts start when you’re unable to perform at least 3 ADLs

Severe Disability payouts starts when you’re unable to perform 2 ADLs

Monthly benefit amount Receive S$200 to S$5,000 per month (in increments of S$100) on top of the basic severe disability payout from your CareShield Life / ElderShield, for as long as you’re severely disabled

Premium payment period

Choose a premium payment period that suits you. You can pay

     a. up to the policy anniversary after you turn 98 or

     b. for a limited time:
              • up to the policy anniversary after you turn 68 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.

Payout option 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.

Additional care benefits for more financial support



MyLongTermCare Plus

Lump Sum Benefit

(one-time payout)

Receive 3 times your first monthly benefit3 when you’re severely disabled2
Rehabilitation Benefit Receive 50% of your last monthly benefit3 when your condition improves but you're still unable to perform 2 ADLs Not Applicable

Dependent 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 under the age of 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 die while receiving either of these benefit payouts
Guaranteed Issuance Option4 Increase your monthly benefit3 easily and without underwriting hassle at key milestones such as when buying a property or becoming a parent


Deferment Period applies for selected benefits5.

All ages mentioned refer to age next birthday (ANB).


Important notes regarding Additional Premium Support (APS) Policy

Frequently Asked Questions

What is the minimum and maximum entry age for Singapore’s MyLongTermCare and MyLongTermCare Plus severe disability insurance plans?

Do I need to have CareShield Life or ElderShield in order to sign up for MyLongTermCare or MyLongTermCare Plus?

Do I need a promo code to enjoy the 20% lifetime premium discount for MyLongTermCare and MyLongTermCare Plus?

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.

You may also call Singlife Financial Advisers at 65 6827 9980 (Mon - Fri, 9am to 6pm) if you're interested to purchase the product. 

If you have an existing financial adviser representative, please leave your details in the form below to request for a callback. 

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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