Over 1,600 sign online petition calling for equal CareShield Life premiums

Women will pay a higher premium for CareShield Life for they tend to live longer than men and hence, are expected to suffer from disabilities for a longer period.
Women will pay a higher premium for CareShield Life for they tend to live longer than men and hence, are expected to suffer from disabilities for a longer period.PHOTO: ST FILE

Campaign opposes gender-differentiated premiums for proposed disability insurance

An online petition for men and women to pay equal premiums for the upcoming CareShield Life scheme has garnered more than 1,600 signatures as of last night, a day after it was launched.

It was started by a group of young women who are campaigning to revise the gender-differentiated premiums of the long-term disability insurance.

The three are public relations director Charissa Guan, 29, manager Anneliese Quek and account executive Chan Jia En, both 27.

Speaking on behalf of them, Ms Guan told The Straits Times: "We didn't want to be passive participants in society any more. We could have kept the discussion among ourselves or voiced our stance in a public sphere. We chose the latter."

When introduced in 2020, CareShield Life will be compulsory for Singaporeans aged between 30 and 40. In subsequent years, every Singaporean goes on the scheme automatically on turning 30.

However, women will pay a higher premium based on research showing that they live longer and are expected to suffer from disabilities for a longer period.

"It is an outrage that women are being penalised for living longer," said the three women in the petition.

"What statement are we sending to women, young and old, when we penalise them for simply... existing? What message does this send to the world about our nation?"

Under the proposed CareShield Life scheme, a 30-year-old man in 2020 will pay an annual premium of $206, while a woman of the same age pays $253. Both sums are before subsidies.

The premiums will go up by 2 per cent every year for the first five years, after which premiums will be adjusted as needed.

The petition is calling for the premiums to be made equal.

It proposes a decrease of women's annual premiums by $23.50 and an increase of men's annual premiums by $23.50, so that everyone pays the same amount of $229.50 each year.

During a debate on CareShield Life in Parliament on Tuesday, a dozen MPs out of the 19 who spoke on the proposed scheme were opposed to women paying higher premiums than men.

In response, Senior Minister of State for Health Amy Khor said the decision to have women pay more was a difficult one but that it was actuarially sound as women's life expectancy is 85.2 years, while men's is 80.7 years. Disability is more likely to happen in a person's older years.

UNFAIR MOVE

It is an outrage that women are being penalised for living longer... What statement are we sending to women, young and old, when we penalise them for simply... existing? What message does this send to the world about our nation?

MS CHARISSA GUAN, one of three women who started the petition.

But the differentiated premiums have sparked unhappiness online, with many calling the move discriminatory and sexist.

Facebook user Evon Qin asked: "Why didn't they factor in the fact that women get paid 43 per cent less than men in Singapore?"

Another user Patricia Choy wrote: "Why stop at gender? Why not go on to race, occupation, or what have you? You can find risk differences along all sorts of lines if you look for them. Defeats the universality concept of the scheme."

In the petition, the group also wrote: "It's 2018. Our society as a whole is slowly but surely appreciating the role of women.

"Gender inequality issues in pay, healthcare and social rights are gradually being addressed around the world. Collectively, we need to be moving forward and consistently exploring ways to narrow the gender divide, not emphasising it."

Ms Guan told The Straits Times: "We are not policy writers. We are not experts in this field. But what we can do is to make sure we take a stand on matters that we believe in. We hope that this sparks more constructive conversation and exchange of ideas to collaboratively solve the issues that affect us all."

The petition can be found at: www.change.org/p/ministry-of-health-equal-careshield-life-premiums-for-women-and-men

A version of this article appeared in the print edition of The Straits Times on July 14, 2018, with the headline 'Over 1,600 sign online petition calling for equal CareShield Life premiums'. Print Edition | Subscribe