Exclusively for members of Aviva’s Disability Support Programme

Enhance your CareShield Life coverage with us today!

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Enjoy these benefits when you enhance your CareShield Life coverage with Aviva

Registered members of Aviva's Disability Support Programme are eligible to enhance CareShield Life coverage without medical check-ups or underwriting, and without exclusions or loading1

Plus, get 20% lifetime premium discount!

Why is long-term care protection essential?

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.

Severe disability could happen at any age

due to an accident, an illness or the worsening of chronic conditions such as cancer.

Long-term care can be costly

You may need an average of S$2,324 per month for long-term care according to Aviva's Long-term Care Study 2018.

The road to recovery can be long and uncertain

According to the Ministry of Health, 3 in 10 Singaporeans could remain severely disabled for 10 years or more2.

Introducing Aviva's MyLongTermCare and MyLongTermCare Plus

If you hold a CareShield Life or ElderShield policy, you can enhance your coverage with MyLongTermCare or MyLongTermCare Plus, our severe disability insurance plans that gives you monthly cash payouts3 to cover your long-term care needs for as long as you need it. 

What’s more, you decide how much you’ll want to receive. Choose to receive monthly payouts ranging from S$200 to S$5,000, on top of the CareShield Life / ElderShield payouts.

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

Flexibility to choose the care you desire

How would you like to be looked after when severely disabled—Is it in an assisted living facility or with a dedicated caregiver at home? 

With our monthly payouts, and the S$600/month you’ll receive through CareShield Life, you may have the financial freedom to choose the support you need depending on your lifestyle preferences.

A comprehensive plan that offers holistic care

We know that monthly payouts may not be enough. That's why we've created a well-rounded plan that offers you greater financial assurance. 

For example, our Caregiver Relief Benefit4 will lighten the loss of income if a family member has to leave their job to look after you. And our Dependant Care Benefit4 offers financial support for your kids so that you can leave your worries aside and focus on recovery. 

Reasonable premiums (or almost nothing)

Use up to S$600/year of your MediSave to pay for your annual premiums. Couple our 20% lifetime premium discount with your MediSave funds and you might not even have to pay a cent in cash for the protection. 

With MyLongTermCare or MyLongTermCarePlus, your future premiums will also be waived for as long as you’re unable to perform at least 1 ADL5.

What the industry experts are saying

Don’t just take our word for it. Check out the reviews from Singapore’s top financial blogs and websites.

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.


Getting the care you deserve is easy

Getting the care you need doesn’t have to be a painful process. With no medical check-ups or underwriting required1, it’ll only take a few minutes to get a quote for a long-term care plan that fits your needs. 

Frequently asked questions

How much money will I get if I’m severely disabled?

How much will the plan cost me every year?

Is there a plan that pays out if I can't do 2 out of 6 ADLs?


1. Until 30 September 2021, the registered members of Aviva’s Disability Support Programme are entitled to purchase a CareShield Life Supplement from Aviva without exclusions or loading, provided

(a) The Member has not made any claims from the Programme or been diagnosed with severe disability;
(b) The Member is applying for the first CareShield Life Supplement from Aviva;
(c) The Member is applying for MyLongTermCare (MyLongTermCare Plus plan is not eligible); and
(d) The monthly benefit applying for is less than or equal to S$1,000 per month.

2.Source: Ministry of Health, Long Term Care Financing, retrieved in May 2021  from www.careshieldlife.gov.sg/long-term-care/planning-ahead

3. 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.

4. Policy terms and conditions apply. Please refer to the Product Summary for complete details. 

5.  To find out what ADL is, visit www.careshieldlife.gov.sg/careshield-life/careshield-life-claims.

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 plan 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 May 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 (www.lia.org.sg or www.sdic.org.sg).