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Ministry of Health

Long-term care

Learn about schemes that can help you pay for your long-term care needs.

Last updated 17 March 2026

CareShield Life

CareShield Life is a long-term care insurance scheme that provides basic financial support should a policyholder develop severe disability, especially during old age. This can help cover the costs of personal care and medical care that you might need for a prolonged duration.

Find out more about CareShield Life.

ElderShield

ElderShield was introduced in 2002 as a basic long-term care insurance scheme targeted at severe disability. It provided payouts of $300/month for 5 years or $400/month for 6 years upon severe disability, depending on the scheme you joined.

With the introduction of CareShield Life, the ElderShield scheme is no longer open for new applications.

Find out more about ElderShield.

MediSave care

Singapore Residents aged 30 and above with severe disability can withdraw up to $200 from either their own MediSave account or their spouse’s account, for their long-term care. The amount that can be withdrawn depends on the MediSave account balance at the point of withdrawal.

Find more about using MediSave for care needs.

Subsidies for Residential Long-Term Care services

The Ministry of Health provides subsidies for eligible Singaporeans and Permanent Residents who are receiving Residential Long-Term Care (LTC) services.

Find out more about subsidies for Residential LTC services.

Subsidies for Non-Residential Long-Term Care services

The Ministry of Health provides subsidies for eligible Singaporeans and Permanent Residents who are receiving Non-Residential Long-Term Care (LTC) services.

Find out more about subsidies for Non-Residential LTC services.

Subsidies for Community Dialysis services

The Ministry of Health provides subsidies for eligible Singapore Citizens and Permanent Residents who are receiving haemodialysis and peritoneal dialysis treatment in the community.

Find out more about subsidies for Community Dialysis services.

MediFund

  • MediFund provides a safety net for Singaporeans who face financial difficulties with their remaining bills after Government subsidies, insurance and MediSave.

  • MediFund supports medical treatments or services incurred at public healthcare institutions, community hospitals and approved long-term care facilities.

Interim Disability Assistance Programme for the Elderly (IDAPE)

Interim Disability Assistance Programme for the Elderly (IDAPE) is a government assistance scheme for older Singaporeans with severe disability. It is for those who could not join ElderShield when it started in 2002 because they had exceeded the maximum entry age, or had pre-existing disabilities.

Find out more about IDAPE.

ElderFund

ElderFund is a discretionary assistance scheme for Singaporeans with severe disability, who are not eligible for CareShield Life, ElderShield, or IDAPE.

Find out more about ElderFund.

Pioneer Generation Disability Assistance Scheme

The Pioneer Generation Disability Assistance Scheme (PioneerDAS) is part of the Pioneer Generation Package. It provides financial assistance to Pioneers who need permanent help with at least 3 out of 6 Activities of Daily Living (ADLs).

Find out more about PioneerDAS.

Get more information on financial help you can get for your daily needs.