CMFAS HI Healthcare System & Financing question: CareShield Life coverage and enrolment

CMFAS HIHealthcare System & Financing

Which statement about CareShield Life coverage and enrolment is correct?

A Lifetime, worldwide payouts for severe disability; those born in 1980 or later are auto-covered, and those born in 1979 or earlier may opt in if not severely disabled
B Payouts for severe disability only while living in Singapore and only up to age 65; those born in 1980 or later are auto-covered
C Lifetime, worldwide payouts; Singapore Citizens of every birth year were auto-enrolled in 2020, so no one needs to opt in
D Lifetime, worldwide payouts for severe disability, but premiums are payable for life and those born in 1979 or earlier are not allowed to join

Show the answer and explanation

Answer: A. Lifetime, worldwide payouts for severe disability; those born in 1980 or later are auto-covered, and those born in 1979 or earlier may opt in if not severely disabled

CareShield Life (introduced 2020, Government-administered) gives worldwide payouts for as long as one has severe disability, with lifetime cover once premiums are fully paid (by age 67 or 10 years, whichever is longer). Those born in 1980 or later are automatically covered; those born in 1979 or earlier may opt in if they do not have a severe disability.

Common mistake

Cover is worldwide and lifelong, and premiums stop (they are not payable forever); older cohorts opt in rather than being auto-enrolled.

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Related CMFAS HI questions

An Integrated Shield Plan holder entitled to a standard Class B1 ward is admitted to a private hospital. Pro-ration factor is 35%, the annual deductible is S$3,500 and co-insurance is 10%. His total bill is S$40,000, all within plan limits. How much does the insurer pay?A MediShield Life member in Class C is admitted twice in the same policy year. The Class C deductible for those aged 80 and below is S$1,500 and, under MediShield Life, the deductible is payable only once every policy year. His first admission has a claimable amount of S$5,000 and his second S$6,000 (both fully exceed the deductible). On which admission(s) is the deductible applied, and what total deductible does he bear for the year?Which statement correctly describes how MediFund operates?

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Original study material mapped to the public CMFAS HI syllabus. Unofficial, not endorsed by MAS or SCI. Verify figures and rules against current guidance before relying on them.