Singapore legislation
Regulation 7
of Care Shield Life and Long-Term Care (Elder Shield Scheme) Regulations 2021
Regulation 7
Termination of insurance cover
Subregulation 1
The Board may terminate an individual’s insurance cover under the ESH Scheme if —
the individual —
fails to make the required premium payment for the individual’s insurance cover at the expiry of 75 days after the renewal date of the individual’s insurance cover (called in this Part the grace period); and
has not made the minimum number of premium payments under the ESH Scheme such that the individual’s insurance cover under the ESH Scheme does not terminate by reason of the individual’s failure to pay the premium for any insurance period;
the individual dies;
the individual has fully claimed the benefits under the ESH Scheme;
the individual has requested to terminate his or her insurance cover under the ESH Scheme; (e)the individual’s insurance cover under the CSHL Scheme has commenced; (f)the Board, with the Minister’s approval, considers that the exceptional circumstances for the reinstatement of the individual’s insurance cover under regulation 8(1)(c) no longer apply; (g)the individual ceases to be a citizen of Singapore on or after 1 April 2024 and does not immediately become a permanent resident of Singapore; or
the individual ceases to be a permanent resident of Singapore on or after 1 April 2024 and does not immediately become a citizen of Singapore.
Subregulation 2
In the circumstances set out in paragraph (1), the Board may terminate an individual’s insurance cover —
where sub-paragraph (a) of that paragraph applies — on the date immediately after the last insurance period in which the individual has made the required premium payment;
where sub-paragraph (b) of that paragraph applies —
on the date immediately after the date on which the individual dies, if the individual has not made a successful claim under the ESH Scheme in accordance with section 16 of the Act; or
on the date immediately after the date on which the Board is notified of the individual’s death if the individual has made a successful claim under the ESH Scheme in accordance with section 16 of the Act;
where sub-paragraph (c) of that paragraph applies —
if the month in which the last payout was made is not the same month in which the insurance period is to end — on the date immediately after the last day of the month in which the last payout was made; or
if the month in which the last payout was made is the same month in which the insurance period is to end — on the date immediately after the last day of the insurance period in which the last payout was made;
in the circumstances set out in sub‑paragraph (d) of that paragraph — on the date immediately after the last day of the last insurance period in which the individual has made the required premium payment; (e)in the circumstances set out in sub‑paragraph (e) of that paragraph — on the day of the commencement of the individual’s insurance cover under the CSHL Scheme;
in the circumstances set out in sub-paragraph (g) of that paragraph — on the date immediately after the date on which the individual ceases to be a citizen of Singapore and does not immediately become a permanent resident of Singapore; and
in the circumstances set out in sub-paragraph (h) of that paragraph — on the date immediately after the date on which the individual ceases to be a permanent resident of Singapore and does not immediately become a citizen of Singapore.