MyLongTermCare and MyLongTermCare Plus

You're considered severely disabled if you're unable to perform at least 3 of the 6 Activities of Daily Living (ADL). The ADL are:

Severe disability can result from a sudden event, like a stroke or serious accident. It could also be caused by progressive worsening or complications of chronic illnesses such as diabetes, or physical weakness due to ageing.

Let’s take a look at the top three causes of severe disability based on new claims Aviva processed from 1 January 2018 to 30 June 2020. 

According to Aviva's Long-term Care Study done in 2018, you may need an average of S$2,324 per month for the following:

For more information on CareShield Life, please visit www.careshieldlife.gov.sg.

1. Premiums exceeding the S$600 MediSave deduction limit will have to be paid in cash. If there are insufficient funds in the MediSave account, cash payment will be required for the difference.

2. Monthly payouts will be payable when you're severely disabled. Severe disability shall mean the inability of the Life Assured to perform at least 3 of the 6 (for CareShield Life/MyLongTermCare) or 2 of the 6 (for MyLongTermCare Plus) Activities of Daily Living. For detailed definitions please refer to the Product Summary.

3. Rehabilitation Benefit is only available for MyLongTermCare.

4. The monthly benefit refers to the monthly payout when the Life Assured suffers from a Severe Disability as defined in the plan.

5. Payouts will be reviewed regularly and may be adjusted to account for claims experience and long-term changes in disability and longevity trends.

6. Singapore Residents who are aged 59 or older when joining will be able to spread their base premiums over 10 years, beyond age 67.

7. 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 legally adopts a child below 19 ANB;
d) salary increases by 50% or more from application;
e) completes a skills development course of at least 6 months;
f) purchases a new Individual Life insurance policy or a Supplementary Benefit from Aviva Ltd with full underwriting at standard terms; or
g) spouse suffers a severe disability (with the inability to perform at least 3 of the 6 ADL) 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 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.

8. The Deferment Period is a period of 90 days from the date the Life Assured is confirmed and certified by an Appointed Assessor as severely disabled. The monthly benefit, Lump Sum Benefit, Dependant Care Benefit and Caregiver Relief Benefit will be paid after the Deferment Period. Waiver of Premium is applicable after the Deferment Period. The Deferment Period shall be waived if the Life Assured suffers from a Severe Disability arising from the same cause within 180 days from ceasing to suffer from the Severe Disability. 

Please refer to the enclosed document for the promotion terms and conditions. 

Anyone who pays for, or is insured under MyLongTermCare/MyLongTermCare Plus is not eligible for Additional Premium Support (APS) from the Government.*

If you are currently receiving APS to pay for your MediShield Life and/or CareShield Life premiums, and you choose to be insured under MyLongTermCare/ MyLongTermCare Plus, you will stop receiving APS. This applies even if you are not the person paying for this MyLongTermCare/MyLongTermCare Plus policy.  In addition, if you choose to be insured under MyLongTermCare/MyLongTermCare Plus, the person paying for this MyLongTermCare/MyLongTermCare Plus policy will stop receiving APS, if he or she is currently receiving APS. 

*APS is for families who need assistance with MediShield Life and/or CareShield Life premiums, even after receiving premium subsidies and making use of MediSave to pay for these premiums.