Three niggling questions about CareShield Life

Can it be gender-neutral? Where did the prediction of severe disability for those above 65 come from? And can criteria for payouts be more lenient?

CareShield Life is a good step forward in the effort to put in place a comprehensive safety net for our ageing population, say the writers, but they call for some changes to make the scheme inclusive and morally sound.
CareShield Life is a good step forward in the effort to put in place a comprehensive safety net for our ageing population, say the writers, but they call for some changes to make the scheme inclusive and morally sound.ST FILE PHOTO

The proposed CareShield Life scheme has generated much debate both inside and outside Parliament. Its broad thrust - to provide an inclusive national insurance scheme for the long-term care of our ageing population - is very welcome. But the devil is in the details.

There are three points that cry out for clarification, further discussion and reconsideration - gender-differentiated premiums, the projection that one in two Singaporeans could be severely disabled in old age, and the definition of "severely disabled".

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A version of this article appeared in the print edition of The Straits Times on July 19, 2018, with the headline 'Three niggling questions about CareShield Life'. Subscribe