How can Persons With Disability go about getting insurance for themselves? What about the caregivers?

Hello! :)

That's a great question! LIke what the others said, it can be real difficult buying insurance for your child with autism. If you are looking for unit trusts available for your child in an event you pass away, you can take a look at the SNTC Trust, and the SNTC Savings Scheme! You can read more about the different type of help you can get here: https://blog.seedly.sg/money-fm-pwds-grants-emp...
You can also find out more about the SNTC trust here: https://www.sntc.org.sg/Pages/Home.aspx

It is difficult for persons with disabilities to get insurance, most insurance providers will not provide coverage for a child with autism.

I would recommend you speaking to an estate planner to do some future planning beneficial for yourself and your dependent. Along with that, make sure you do your Will as well. In it, testamentary guardianship should be covered, wherein you instruct that should you no longer be around, who is to care for your dependent. Along with that, should you worry that your child is unable to handle a lump sum inheritance, you could also instruct for a monthly payout to your beneficiary.

In most cases, my firm would also urge caregivers like yourself to accompany the will with an LPA (lasting power of attorney). In the event where old age catches up, many Singaporeans find themselves lacking mental capacity such as dementia. In such instances, appoint someone to also care for you in terms of your personal welfare along with property and affairs.

All the best, let me know if you require assitance on any preparation, I would be happy to help.