Hey guys, I have a CareShield Life policy and currently eligible to apply for the supplement plan (born between 1980 to 1990). Which of these three providers should I go for?

Hi anon,

If you have decided that you do want to upgrade your Careshield coverage with a supplement, then this depends on what type of coverage you are looking for (2 ADL/3 ADL). I'll highlight the key points.

All 3 insurers have 2 payment terms (one till your 60s, another till your 80s/lifetime).

However, NTUC only has a 2 ADL coverage plan, and the payout amount includes Careshield Life's (CSL) payout, whereas GE and Aviva have both 2 ADL and 3 ADL plans.

Seedly has done a comparison on 2 ADL plans here and without me repeating what they have listed, their opinion is that Aviva's plan is the best for 2 ADL: https://blog.seedly.sg/careshield-life-suppleme...

For 3 ADL coverage, based on premiums payable and additional features (e.g., dependent benefit, etc) most of my clients select Aviva.

So I hope that gives you an idea.