MyLongTermCare and MyLongTermCare Plus

Get 20% lifetime premium discount* when you enhance your CareShield Life coverage with us

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One unfortunate moment in life is all it takes to become fully dependent on others for life’s simplest tasks.

Because severe disability due to an illness or an accident can happen at any age, you need a financial safety net that’ll ensure you can afford long-term care should you need it. 

The good news is we've got a plan that truly cares and will support you for the long haul. If you hold a CareShield Life or ElderShield policy, you can enhance your coverage with MyLongTermCare or MyLongTermCare Plus for greater financial assurance. 

What's more, you can reduce your out-of-pocket expenses by using MediSave1 up to S$600 per calendar year to pay for your annual premiums.

Higher monthly payouts for life

On top of your CareShield Life payouts, choose to receive additional S$200 to S$5,000 per month when you're unable to perform at least 2 out of 6 ADL2.

Additional support

Receive a Lump Sum Benefit, Rehabilitation Benefit3, Dependant Care Benefit, Caregiver Relief Benefit and Death Benefit.

Premiums waived when it matters

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

Enjoy enhanced coverage with greater financial assurance

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:

Features CareShield Life MyLongTermCare MyLongTermCare Plus
Severe Disability2 definition Inability to perform at least 3 out of 6 ADL Inability to perform at least 2 out of 6 ADL
Monthly benefit4 duration  Lifetime
(for as long as you're unable to perform at least 3 out of 6 ADL)
(for as long as you're unable to perform at least 2 out of 6 ADL)
Monthly benefit4 amount Starting at S$600 per month in 2020 S$200 to S$5,000 per month (in increments of S$100)
on top of CareShield Life’s payout
Availability of increasing payouts Payouts increase at 2% per annum5 (p.a.)
until age 67, or when a claim is made,
whichever is earlier
Choice of fixed payouts or increasing payouts at a fixed rate of 2% or 3% p.a.
until the end of the premium term, or when a claim is made, whichever is earlier.
Premium term

Pay up to age 676 (inclusive of the year you turn 67)

Note: Premiums will increase over time to support payout increases

a. Pay up to the policy anniversary after your 97th birthday (98 Age Next Birthday (98 ANB))

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

Benefits Condition for payout Details of benefit, frequency and duration
    MyLongTermCare MyLongTermCare Plus
Lump Sum Benefit When you're severely disabled2 A one-time benefit that is 3 times of your first monthly benefit4
Rehabilitation Benefit  When your condition improves but you're still unable to perform 2 ADL 50% of your last monthly benefit4, for as long as you’re unable to perform 2 ADL Nil
Dependant Care Benefit  When you’re receiving the monthly benefit4 or Rehabilitation Benefit
and have a child 22 ANB and below at the point of claim
An additional 20% of your monthly benefit4, for up to 36 months
Caregiver Relief Benefit  When you're receiving the monthly benefit4 or Rehabilitation Benefit An additional 60% of your monthly benefit4, for up to 12 months
Waiver of Premium When you're unable to perform at least 1 ADL Future premiums are waived, for as long as you’re unable to perform at least 1 ADL
Death Benefit When death occurs while you're receiving the monthly benefit4 or Rehabilitation Benefit One-off payout of 3 times of your last paid monthly benefit4 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 Option7, you have the flexibility to increase your monthly benefit4 without further health underwriting at key life stage events.

Note: Deferment Period applies for selected benefits8.


What is long-term care?

Long-term care is the help you'll need for personal tasks like feeding and moving around should you become severely disabled. 

What is severe disability?

What causes severe disability?

What's the cost of living with a severe disability?

Understanding CareShield Life

To help you prepare better for your future long-term care needs, the government launched CareShield Life - a new national long-term care insurance scheme - on 1 October 2020.

Learn more

Enjoy 20% lifetime premium discount

Secure a plan that offers fixed monthly payouts with benefits that will give you greater financial assurance for your long-term care needs and enjoy 20% lifetime premium discount*. 

Use your MediSave to pay for your annual premiums up to S$600 per year so you don't have to pay cash upfront to enhance your CareShield Life coverage.

*Terms and conditions apply.

Get a quote

Terms and conditions

Important notes regarding Additional Premium Support (APS) Policy

Got a question?

Leave us your details if you would like to tailor or personalise your CareShield Life supplement coverage. 

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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 1 October 2020. 

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