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.


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Key Features & Benefits

 
 



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.

Receive the Care You Need During Unexpected Events in Life

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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Buy Singlife CareShield Standard/Plus


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Teo Zandra 张倩云

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About Teo Zandra 张倩云

我是专业的风险管理顾问,专注于企业和个人的风险保障。作为一名新加坡的独立财务顾问,我致力于帮助客户识别潜在风险,制定全面的解决方案,确保他们能够在面对不可预见的挑战时从容应对。

在企业方面,我协助公司分析和评估经营中的潜在风险,包括责任保险、关键人物保险以及业务延续规划等,帮助企业在保护核心资产的同时提升抗风险能力。在个人方面,我为客户量身定制保障方案,例如医疗保险、收入保障和退休规划,确保客户及其家人的未来得到充分保障。

作为一名独立顾问,我的服务以客户利益为核心,不受特定产品或机构的限制。这种独立性使我能够灵活地为客户甄选最适合的解决方案。我与多个值得信赖的合作伙伴,包括保险公司和金融机构,保持紧密合作,以确保为客户提供全面和高效的服务。

我的服务理念建立在“可靠性、责任感和关怀”之上。我注重倾听客户的需求,深刻理解他们的目标和挑战,以便提供切实可行的建议。我始终关注市场动态和政策变化,确保我的解决方案既具前瞻性又符合实际需求。

 

无论您是企业主,希望通过完善的风险管理保护公司发展,还是个人,希望为自己和家人提供安心的保障,我都将为您提供专业支持和个性化服务。让我们携手合作,共同规划一个稳健、无忧的未来!

 

 

 

 

 

I am a risk management professional specializing in company and personal risk protection. As an independent financial advisor based in Singapore, my primary focus is on safeguarding the interests of businesses and individuals against unforeseen risks, ensuring they are prepared for any eventuality.

 

In the corporate realm, I help businesses identify potential vulnerabilities and develop comprehensive risk protection strategies. This includes areas such as liability coverage, keyman insurance, and business continuity planning. For individuals, I provide tailored advice on securing personal and family well-being through solutions like health insurance, income protection, and retirement planning.

 

Being independent means I represent my clients, not a specific product or provider. This allows me the flexibility to source and recommend solutions that are genuinely in your best interest. I work with a wide network of trusted partners, including insurers and financial institutions, to offer bespoke solutions that align with your unique needs and goals.

 

My approach is rooted in reliability, responsibility, and care. I believe in building long-term relationships with my clients by understanding their circumstances and aspirations. By staying updated on market trends and regulatory changes, I ensure the advice I provide is timely and relevant.

 

Whether you’re a business owner looking to safeguard your company or an individual seeking to protect your loved ones, my goal is to provide clarity, confidence, and peace of mind through well-rounded risk management strategies. Let’s work together to secure a future free from unnecessary uncertainties.