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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您好，我是洪娜Hongna，是新加坡最大独立理财顾问公司Financial Alliance鑫盟理财的资深理财顾问，拥有6年+的行业经验。
专注于为职场人士和家庭提供全面的财务保障服务，致力于帮助客户建立安全的保障体系和理财方案。特别是成为在新加坡的华人和新移民值得信赖的理财顾问。
专业学术背景和经历
山东财经大学经济贸易本科学位，拥有新加坡银行和金融学院认证，国际金融理财师认证CFP®。过去的学术背景和不断的自我提升，让我具备了坚实的理论基础，使我能够更好地为客户提供财务规划方面的建议。并且坚信终身学习是作为一名理财顾问的基本要求。
从开始的AIA单一保险公司转换到现在的独立理财顾问公司，始终保持以客户为中心，中立，客观的为客户进行财务规划。在基本医疗保险申请索赔和教育，养老规划上有经验。 希望成为您家庭财务的急救工具箱，事先准备好工具（规划方案），并在需要的时候能够快速地，正确地使用工具。
具体提供以下财务规划服务：
欢迎链接我，成为您财务保障和规划上的好伙伴。
CFP®️ Certified Financial Planner
Hello, I am Hongna, a senior financial advisor at Financial Alliance, the largest IFA firm in Singapore, with over 6 years of industry experience.
Specialized in offering comprehensive financial protection services for professionals and families, dedicated to helping clients build secure insurance systems and financial plans for themselves and their loved ones. My goal is to become a trusted financial advisor, especially for Chinese individuals and new immigrants in Singapore.
Feel free to connect with me; I look forward to being your trusted partner in financial protection and planning.