Care Shield Life and Long-Term Care (CSHL Scheme) Regulations 2020

every citizen of Singapore or permanent resident of Singapore mentioned in section 6(1)(a) of the Act;

every individual mentioned in section 6(1)(b) of the Act; (ba)every individual mentioned in section 6(1)(c) of the Act —

who is a citizen of Singapore or a permanent resident of Singapore on 1 November 2021;

whose birthday falls within the period prescribed in the CareShield Life and Long-Term Care (Prescribed Period under Section 6(1)(c)(ii)) Order 2021 (G.N. No. S 806/2021);

who is not severely disabled on 1 November 2021;

who, on 1 November 2021, is insured under the ESH Scheme but not by reason of —

an insurance cover that is in force, despite the individual’s failure to pay the premium for any insurance period, because the individual has made the minimum number of premium payments; or

an insurance cover under the former ElderShield Scheme issued on or after 1 November 2021 and backdated to a date before 1 November 2021; and

who does not withdraw (whether on his or her own or by an authorised applicant acting on behalf of the individual) from the CSHL Scheme before 1 January 2024;

every individual mentioned in section 6(4) of the Act whom the Board determines may be covered, for such period as the Board thinks fit, under the CSHL Scheme.

the individual’s birthday is before 1 January 1980;

if the date of application for insurance cover is before 1 January 2026 — the individual is not severely disabled on the relevant date; (c)if the date of application for insurance cover is on or after 1 January 2026 — the individual is not disabled on the relevant date.

if the Board does not require the individual to undergo a disability assessment under section 7(5)(c) of the Act — the date of the application for insurance cover;

if the Board requires the individual to undergo such a disability assessment — the date of that disability assessment.

the date of renewal of the insurance cover is the date immediately after the end of the applicable insurance period; and

each subsequent insurance period after the applicable insurance period is a period of 12 months.

commences on 1 March in that year for the first insurance period; and (b)is renewable on 1 March for every subsequent insurance period.

the Board finds that the insurance cover in respect of the individual has been issued in error (including because the individual dies on or before the date of commencement of the insurance cover, and the Board is notified of the individual’s death only after that date); and

no claim has been accepted by the Administrator under section 16 of the Act in respect of the individual.

to whom section 6(1)(b)(iii)(A) of the Act applies — if the individual is found to have been disabled before the commencement of the individual’s insurance cover; or

to whom section 6(1)(b)(iii)(B) of the Act applies — if the individual is found to have been severely disabled before the commencement of the individual’s insurance cover.

the individual withdraws (whether on his or her own or by an authorised applicant acting on behalf of the individual) from the CSHL Scheme before 1 January 2024 or a later date that the Board may allow;

the individual fails to pay the premium for the first insurance period of the individual’s insurance cover under the CSHL Scheme; or

at the expiry of 75 days after the renewal date of the individual’s insurance cover under the ESH Scheme, the individual fails to pay the premium under the ESH Scheme for the insurance period immediately before the commencement of the individual’s insurance cover under the CSHL Scheme.

the individual is found to have been —

severely disabled before the commencement of the individual’s insurance cover, if the date of the individual’s application for the insurance cover was before 1 January 2026; or

disabled before the commencement of the individual’s insurance cover, if the date of the individual’s application for the insurance cover is on or after 1 January 2026;

the individual withdraws (whether on his or her own or by an authorised applicant acting on behalf of the individual) from the CSHL Scheme within a period of 60 days after the date the application is accepted under section 7 of the Act or a longer period that the Board may allow;

the individual fails to pay the premium for the first insurance period of the individual’s insurance cover under the CSHL Scheme; or

at the expiry of 75 days after the renewal date of the individual’s insurance cover under the ESH Scheme, the individual fails to pay the premium under the ESH Scheme for the insurance period immediately before the commencement of the individual’s insurance cover under the CSHL Scheme.

on the date immediately after the date on which the individual dies;

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; (c)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; or

if the Board, with the Minister’s approval, considers that there are exceptional circumstances for the termination of the individual’s insurance cover.

who ceases to be a citizen of Singapore and does not immediately become a permanent resident of Singapore, or who ceases to be a permanent resident of Singapore and does not immediately become a citizen of Singapore; (b)whose insurance cover under the CSHL Scheme was not issued in error, but was terminated under regulation 7 by virtue of sub‑paragraph (a); and

who is a severely disabled individual whose claim under section 16 of the Act has been accepted by the Administrator.

the individual; or

an approved payee nominated by the individual, or by the authorised applicant for the individual.

the Board is unable to make the payment because of insufficient information provided by the individual or the approved payee for such payment; or

in the case of payment to an approved payee, the approved payee lacks mental capacity or has died, and no new approved payee was nominated by the individual, or by the authorised applicant for the individual, as the case may be.

the whole amount of the goodwill sum is treated as the payment of the number of monthly insured sums that corresponds to that whole amount (called the relevant insured sums); and

the payment of any other insured sum under section 18(2) of the Act resumes only after the relevant insured sums are treated as paid under sub‑paragraph (a).

at the start of P if the insured person became entitled to the payment of an insured sum in any month during the insurance period immediately before P, unless paragraph (2) applies; (b)at the end of the insurance period in the year immediately after the 67th anniversary of the insured person’s birth, or if the individual became an insured person in or after the year in which the 59th anniversary of his or her birth occurs, at the end of 10 insurance periods starting in the year that he or she became an insured person;

the termination of insurance cover under regulation 7.

his or her obligation to pay the premium has ended because of paragraph (1)(b) or (c); or

the insured person subsequently becomes entitled to the payment of an insured sum during the insurance period immediately before P.

there is any shortfall in the premium in respect of an insurance period paid under section 14(4) of the Act by an insured person, or by a relevant CPF member under Division 2 of this Part; and

the insured person or the relevant CPF member has paid moneys to an approved insurer in respect of the whole or any part of a supplement premium under the CareShield Life and Long-Term Care (Supplement Scheme) Regulations 2020 (G.N. No. S 850/2020).

the insured person’s premium payable for an insurance period;

interest previously imposed (if any) on the premium mentioned in sub‑paragraph (a).

begins to run —

where no interest has previously been imposed on the insured person’s premium mentioned in paragraph (1)(a), from the beginning of the insurance period mentioned in that provision;

where any interest has previously been imposed on the insured person’s premium mentioned in paragraph (1)(a), from the beginning of the first insurance period that begins after the date on which the interest previously imposed on that premium ceases to run; or

on any later date during either insurance period mentioned in sub‑paragraph (i) or (ii) (as the case may be) specified by the Board; and

ceases to run —

at the end of the insurance period mentioned in sub‑paragraph (a)(i) or (ii), as the case may be; or

on any earlier date during either insurance period mentioned in sub‑paragraph (i) specified by the Board.

5% of the insured person’s premium for the insurance period that remains unpaid on the first penalty date; and

12% of the insured person’s premium for the same insurance period that remains unpaid on the second penalty date.

in any form and manner required by the Board; and (b)supported by any document or information required by the Board.

the relevant CPF member has sufficient amount standing to the credit of his or her medisave account to pay the whole or any part of that premium for the insurance period;

an amount standing to the credit of the relevant CPF member in his or her medisave account has previously been deducted for the payment of —

the whole or any part of the insured person’s premium in respect of a previous insurance period before that insurance period, or the insured person’s premium under any other insurance policy;

any withdrawal under the Central Provident Fund (Medisave Account Withdrawals) Regulations (Cap. 36, Rg 17) for any medical treatment or services received, or to be received, by the insured person; or

any withdrawal permitted under section 16B(1) of the Central Provident Fund Act (Cap. 36).

the insured person is an individual mentioned in regulation 2(1)(ba); and

the relevant CPF member was the payer of the insured person’s premium for the insured person’s insurance cover under the ESH Scheme for the insurance period immediately before the commencement of the insured person’s insurance cover under the CSHL Scheme.

the relevant CPF member is the spouse of the insured person; and

the relevant CPF member has sufficient amount standing to the credit of his or her medisave account to pay the whole or any part of that premium for the insurance period.

in any form and manner required by the Board; and

supported by any document or information required by the Board.

refund to the relevant CPF member’s medisave account, the whole or any part, as the Board may determine, of any amount deducted from the relevant CPF member’s medisave account to pay for any premium of an insured person; (b)pay into the medisave account of the relevant CPF member, the whole or any part, as the Board may determine, of the interest that would have been payable on the amount of the refund under sub‑paragraph (a) if that amount had not been deducted from the relevant CPF member’s medisave account; and

require payment of the resulting shortfall in the premiums under section 22(1) of the Act or in accordance with the other provisions of this Division.

the deduction from the relevant CPF member’s medisave account is in contravention of these Regulations; or

the insured person or the relevant CPF member made a false or an inaccurate representation to the Board, or provided the Board with any inaccurate, incorrect or misleading information, in connection with the application for payment of a premium for the insurance cover of an insured person under any of the following disability insurance schemes to be deducted from the relevant CPF member’s medisave account:

the CSHL Scheme;

the ESH Scheme;

a Supplement Scheme.

deduct from the relevant CPF member’s medisave account an amount not exceeding the amount standing to the credit of the relevant CPF member in the medisave account to pay any part of the premium; and

permit any deficiency to be paid in any manner that the Board thinks fit, subject to any condition that the Board may impose.

the relevant CPF member must, if required by the Board, refund to the relevant CPF member’s medisave account the amount withdrawn from that account, which would not have been withdrawn without the earlier approval or appointment (called the affected amount); or

the Board may —

refund from the Fund to the relevant CPF member’s medisave account the affected amount paid as premiums for the insured person’s insurance cover under the CSHL Scheme; and

require payment of the resulting shortfall in the premiums under section 22(1) of the Act or in accordance with the other provisions of this Division.

no claim was accepted by the Administrator under section 16 of the Act before the date of termination; and

the insurance cover was terminated because of the death of the individual concerned, or the cessation of citizenship or permanent residency of Singapore, which occurred within a period of 60 days starting on the commencement date of the insurance cover, if the whole or any part of the premium for the first insurance period has been paid.

no claim was accepted by the Administrator under section 16 of the Act before the date of termination; and

the Board is satisfied that there are extenuating circumstances for making such refund.

into the medisave account of the individual who paid the premium, interest or penalty, or in cash or any cash equivalent to that individual, as the Board considers fit; or

into the medisave account of the insured person or in cash or any cash equivalent to the insured person, as the Board considers fit.

Part 1 of the Second Schedule, if the insured person is first entitled to payment of the insured sum between the years 2020 and 2025 (both inclusive); and

Part 2 of the Second Schedule, if the insured person is first entitled to payment of the insured sum between the years 2026 and 2030 (both inclusive).

receives any payment in respect of a premium from an insured person, that is payable by the insured person under the Act;

receives any payment from any other person required under section 14(4)(b) of the Act to pay any premium on behalf of an insured person;

is to make a payment of an insured sum under the CSHL Scheme in respect of an insured person to the insured person or an approved payee under section 18(1) of the Act; or

is to make a payment of a goodwill sum under regulation 9.

apply the payment mentioned in paragraph (1)(a) or (b), towards the insured person’s unpaid premium, and any unpaid interest and unpaid penalty imposed on the insured person’s premium, that the person who made the payment is required to pay; or

deduct from the payment mentioned in paragraph (1)(c) or (d), any unpaid premium, and any unpaid interest and unpaid penalty imposed on the insured person’s premium, that the insured person is liable to pay under the Act,(as the case may be) in the following order:

first, the unpaid penalty (if any) imposed on the insured person’s premium for the first insurance period of the insured person’s insurance cover under the CSHL Scheme;

second, the unpaid interest (if any) imposed on the insured person’s premium for the first insurance period of the insured person’s insurance cover under the CSHL Scheme;

third, the insured person’s unpaid premium for the first insurance period of the insured person’s insurance cover under the CSHL Scheme, if any;

then, towards any unpaid penalty, unpaid interest and unpaid premium of the insured person’s insurance cover under the CSHL Scheme, in the order in sub‑paragraphs (c), (d) and (e), for each subsequent insurance period in turn.