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Ministry of Health

CareShield Life and Long-Term Care Act

Learn how this Act provides financial support for long-term care needs in Singapore.

Last updated 10 July 2025

The CareShield Life and Long-Term Care Act establishes and provides for the CareShield Life Scheme and other measures to provide long-term care financing support, should one develop severe disability.

The key features of the Act are the:

  • Establishment of the CareShield Life Scheme to provide for long-term care financing support should one develop severe disability.

  • Provision for Government administration of the ElderShield Scheme.

  • Establishment of the CareShield Life and ElderShield Insurance Fund to support benefit payouts for policyholders and scheme administration.

  • Establishment of the Long-Term Care Support Fund to provide premium support for the CareShield Life Scheme, and other financial support should one develop severe disability.

  • Establishment of the CareShield Life Council to review the administration and sustainability of the CareShield Life and ElderShield Schemes.

  • Provision of powers for the recovery of premiums from wilful defaulters as a last resort, to ensure that premiums are paid in a timely manner. This ensures that CareShield Life and ElderShield are able to meet its commitments to all its members and pay out on claims.