CMFAS HI Healthcare System & Financing question: feature distinguishes CareShield Life from the older

CMFAS HIHealthcare System & Financing

Which feature distinguishes CareShield Life from the older, now-closed ElderShield scheme?

A CareShield Life pays a fixed monthly sum for severe disability for a maximum of 72 months, like ElderShield400
B CareShield Life covers large hospitalisation bills for life, whereas ElderShield covered only long-term care
C CareShield Life gives lifetime, worldwide payouts for severe disability that increase over time
D CareShield Life is open only to Permanent Residents, whereas ElderShield covered only Singapore Citizens

Show the answer and explanation

Answer: C. CareShield Life gives lifetime, worldwide payouts for severe disability that increase over time

CareShield Life (introduced 2020, Government-administered) provides lifetime, worldwide payouts for severe disability, with payouts that increase over time — unlike ElderShield's capped-duration payouts.

Common mistake

ElderShield paid for a limited number of months; CareShield Life instead pays for life, worldwide, with rising payouts, and covers long-term care rather than hospitalisation.

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Related CMFAS HI questions

Which statement about CareShield Life coverage and enrolment is correct?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?

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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.