MyLongTermCare and MyLongTermCare Plus

Our supplement for CareShield Life and ElderShield. Enhance your coverage today!

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It's possible to pay little or no cash upfront when you enhance your CareShield Life or ElderShield coverage with us

Use up to S$600 per year1 of your MediSave to pay premiums, so you might not even need to pay cash. Plus enjoy 20% lifetime premium discount*. 

*Terms and conditions apply.

Enhance your CareShield Life / ElderShield coverage for greater financial assurance

One unfortunate moment in life is all it takes to become fully dependent on others for life’s simplest tasks. Long-term care protection will ensure you can afford the care you need in the event of severe disability.

If you hold a CareShield Life or ElderShield policy, you can enhance your coverage with MyLongTermCare or MyLongTermCare Plus for greater financial assurance. 

Higher monthly payouts for life

On top of your CareShield Life payouts, choose the desired care you want with an additional monthly payout from S$200 to S$5,000 per month when you're unable to perform at least 2 out of 6 Activities of Day Living (ADL)2.

A plan that offers holistic care

 A well-rounded plan that offers more than just monthly payouts. For example, our Dependent Care Benefit offers financial support for your kids so that you can leave your worries aside and focus on recovery. 

Premiums waived when it matters

Future premiums are waived for as long as you're unable to perform at least 1 ADL.

The definition of ADLs and what you need to know about severe disability

Why choose Aviva’s plans for your long-term care needs?

Singapore’s top financial blogs and websites have carefully analysed our plans and here’s what they say. 

Aviva's MyLongTermCare Plus supplement is the best offering. Another thing that sets the Aviva supplement plan apart is the Guaranteed Issuance Option (GIO).


The most well-rounded plan is Aviva's MyLongTermCare Plus.


Best 2-out-of-6-ADL supplement for CareShield Life upgrade in terms of features.


Aviva's MyLongTermCare provides the most well-rounded benefits along with a higher payout.


What it means to have a plan that supports you in the long haul

Whether you choose MyLongTermCare or MyLongTermCare Plus, you'll get the freedom to pick different coverage options according to your needs. Here's how they work:

Key Benefits

  • ·Receive monthly payouts as long as you're severely disabled2 (which is defined as the inability to perform at least 3 out of 6 ADL under MyLongTermCare, and 2 out of 6 ADL under MyLongTermCare Plus)
  • Choice of fixed payouts or increasing payouts at a fixed rate of 2% or 3% p.a. until the end of premium term, or when a claim is made, whichever is earlier
  • Receive S$200 to S$5,000 per month (in increments of S$100) on top of your CareShield Life's payout, which starts from S$600 per month in 2020
  • Choice of premium term
    a. Pay up to the policy anniversary after your 97th birthday
    b. Pay for a limited period:
            • up to the policy anniversary after your 67th birthday (68 ANB) or
            • for 20 years from entry age (for those who join at 49 ANB and above), whichever is later.

Note: Premiums will increase at 2% or 3% p.a., the same rate you choose for your increasing payout.

Additional care benefits

  • Lump-sum Benefit (one-time payout)
    Receive 3 times of your first monthly benefit3 when you're severely disabled2
  • Rehabilitation Benefit (only applicable to MyLongTermCare)
    Receive 50% of your last monthly benefit3 when your condition improves but you're still unable to perform 2 ADL 
  • Dependant Care Benefit
    Get an additional 20% of your monthly benefit3 when you’re receiving the monthly benefit3 or Rehabilitation Benefit and have a child of age 22 and below at the point of claim 
  • Caregiver Relief Benefit
    Get an additional 60% of your monthly benefit3 for up to 12 months when you're receiving the monthly benefit3 or Rehabilitation Benefit
  • Waiver of Premium
    Future premiums are waived when you’re unable to perform at least 1 ADL
  • Death Benefit (one-time payout)
    Receive 3 times of your last paid monthly benefit3 or Rehabilitation Benefit when death occurs while you're receiving the monthly benefit3 or Rehabilitation Benefit

In addition, we understand that as you go through key milestones in life, your protection needs may increase. With the Guaranteed Issuance Option4, you have the flexibility to increase your monthly benefit3 without further health underwriting at key life stage events.

Note: Deferment Period applies for selected benefits5.


You will need to have a CareShield Life (CSHL) or ElderShield (ESH) policy before purchasing MyLongTermCare or MyLongTermCare Plus (“Supplements”). 

Supplements purchased by CSHL policyholders are regulated under the CareShield Life and Long-term Care Act. Supplements purchased by ESH policyholders before the transfer of ESH to Government administration are considered ESH Supplements, which are regulated under the Central Provident Fund (Withdrawals for ElderShield Scheme) Regulations. After the transfer, they are considered CSHL Supplements, regulated under the CareShield Life and Long-term Care Act.

This policy is underwritten by Aviva Ltd.

This is published for general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor's offices. You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you. Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract. 

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is accurate as of September 2021. 

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association or SDIC websites ( or