Free tool for all Singaporeans

CareShield Life Calculator

Understand what CareShield Life covers and pays, then see indicative Singlife supplement rates for extra cover.

For reference only, not a personal quote. Figures come from published CareShield Life and Singlife rates. Not made by or linked to MOH, the CPF Board or Singlife, and not financial advice. For your exact CareShield Life premium, use the official premium calculator or your CPF dashboard.

CareShield Life in Brief

Singapore's national long-term care insurance. It pays you a monthly cash payout for life if you become severely disabled.

Who's Covered

Born 1980 or LaterCovered automatically from age 30

Born 1979 or EarlierOptional (most born 1970–79 moved over from ElderShield)

PremiumsPaid yearly until age 67, payable by MediSave

Premium if Joining at 30$206/yr male, $254/yr female

What It Pays

WhenYou can't do 3 of 6 daily tasks (wash, dress, eat, toilet, walk, move from bed to chair)

How LongFor life, while you stay disabled

2026 Payout$689/month

Rising To$806/month by 2030 (about 4% a year)

Want more than the base payout? CareShield Life covers part of long-term care costs. A private supplement adds a higher monthly payout on top.

Why Add a Supplement

CareShield Life is a base. A supplement tops it up.

CareShield Life pays $689 a month in 2026 if you become severely disabled. A Singlife CareShield supplement adds a further monthly cash payout on top, so you and your family have more to work with for care.

Severe disability means you can't do 3 of these 6 daily tasks on your own

Washing

Dressing

Eating

Toileting

Walking

Moving from bed to chair

More Monthly CashChoose an extra S$200 to S$5,000 a month on top of CareShield Life.

Up to $600 a Year from MediSavePart of the premium can be paid from MediSave, so less comes out of your pocket.

Lower Premiums When You Start YoungerRates are set by your age when you sign up, and rise with every few years you wait.

See Your Singlife Rate

Your age 30

Gender

Plan

Standard pays your monthly benefit when you can't do 3 of the 6 daily tasks, the same point at which CareShield Life pays.

Plus starts paying earlier, when you can't do 2 of the 6. It costs more for the same monthly benefit.

Pay Premiums Until

Extra monthly payout S$1,000

S$200 to S$5,000 a month, in S$100 steps.

Your Indicative Singlife Premium

Extra Payout—

Total with CareShield Life (2026)—

Annual Premium, Before Discount—

Singlife Online Discount—

Annual Premium, After Online Discount—

Cash Payable After MediSave ($600/yr)—

Indicative, based on Singlife's online direct-channel rates collected 17 Oct 2026 (no existing-policyholder offer). The online discount is a Singlife promotion and may change. Not a quote — contact us for your exact premium.

Want Your Exact Premium and a Plan Recommendation?

Chat with our Smart Adviser about CareShield Life and whether a Supplement makes sense for you — free, and takes a couple of minutes.

Chat Now — It's Free

For planning discussion only — not financial advice, and not a MOH or CPF Board product.

Sources & How We Worked This Out

Enrolment rules, premium payment period, and payout mechanics: CPF Board's CareShield Life pages and premiums and subsidies page. The $206 (male) / $254 (female) reference premium for joining at age 30 comes from MOH's 2026 CareShield Life premium figures, consistent with MOH's original 2020 launch figures ($206 / $253) for the same entry age — the one point in the age range with a clearly published, consistent source. We deliberately do not show a projected premium for other entry ages: MOH does not publish a full rate table, and an earlier attempt by a third-party site to fill those gaps with an extrapolated table was pulled down after being flagged as misleading. The 2026–2030 payout schedule and the ~4%/year growth rate are from the CareShield Life Council's 2025 review, accepted by the Government. The Standard and Plus payout triggers (3 and 2 daily tasks respectively) are from Singlife's Singlife CareShield Standard and Plus brochure. The Singlife CareShield Supplement premium lookup (Standard and Plus plans, paying to age 69 or 99, any monthly benefit from $200 to $5,000) uses Singlife's own online direct-channel indicative rates, collected 17 Oct 2026, by age next birthday (31–65, gender-differentiated); the $600/year MediSave offset reflects MediSave's current annual CareShield Life Supplement withdrawal limit.