Sandwich Gen: Caring for Singapore’s super aged
New caregiving challenges as Singapore becomes a super aged society by 2026*
Introducing the second episode of GREAT Health Decoded, a video series dedicated to unravelling the complexities of health issues and topics with real-life experiences and expert insights.
Singapore is on the cusp of a demographic transformation. By 2026, the nation will become a super aged society*, with one out of every five Singaporeans aged 65 or above. This shift brings new challenges, especially for those in the sandwich generation—adults balancing careers, their own families, and caregiving responsibilities for elderly loved ones.
Preparing for a super aged society
As Singapore transition to super aged status*, the pressures on the sandwich generation intensify. As main caregivers, they shoulder responsibilities ranging from physical care and financial support to emotional guidance.
Meeting Nabila: A modern caregiver’s story
In this episode, join us as we invite Nabila Hanim, who belongs to the sandwich generation balancing work, parenting, and caring for her grandmother, who moved in with her family after a mild stroke that led to mobility issues and signs of dementia.
Looking ahead: The importance of comprehensive coverage
As healthcare costs in Singapore continue to climb each year—driven by an ageing population, medical innovations, and increasing operational expenses, planning for long-term care has become more crucial than ever. Stories like Nabila’s shed light on the dual realities faced by many families – the challenges brought by an ageing society, and the resilience to navigate them. With advance planning, seniors can secure access to vital care, and caregivers can be supported in their crucial roles.
Securing long-term care for the future
Ensuring adequate coverage is important with the growing costs of long-term care. Home caregiving costs with a domestic helper may cost upwards of S$4,000/month^. Sufficient disability coverage can provide vital financial support for long-term care needs without compromising one's standard of living. To make an informed decision, it is important to understand the misconceptions about disability and the associated caregiving costs. Early exploration of coverage options can help safeguard future financial security.
For those navigating caregiving responsibilities or concerned about future uncertainties such as a sudden illness or an unexpected accident, now is the time to review your disability coverage. GREAT CareShield, a MediSave-approved supplementary plan to CareShield Life, provides monthly payouts1 upon the inability to perform just 1 Activity of Daily Living2 (ADL). With GREAT CareShield, you can ensure continuous support for yourself and your loved ones, allowing you to focus on what matters most. Take the first step towards safeguarding your well-being and your family’s future today.
Get up to 40% off your first-year premium3 when you sign up by 31 October 2025. After the first year, you will continue to enjoy 20% off your premiums every year throughout your coverage.
Footnotes
* Source: https://www.channelnewsasia.com/today/big-read/super-aged-2026-singapore-ready-4656756
^ Source: Great Eastern's research. Estimates based on home caregiving with a domestic helper.
1 Subject to Deferment Period. Payouts of Monthly Benefit are payable for as long as the Life Assured suffers from the applicable number of disabilities, up to a lifetime.
2 The 6 Activities of Daily Living (ADLs) are: washing, toileting, dressing, feeding, walking or moving around and transferring.
3 The promotion is available till 31 October 2025. The 40% first-year premium discount is applicable with a minimum qualifying premium of S$1,000, excluding premium loadings (if any) and the prevailing rate of GST. Please refer to the full terms and conditions of the Consumer Promotion for information.
Disclaimer
Terms and conditions apply.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The information presented is for general information only and does not have regard to the specific investment objectives, financial situation or particular needs of any particular person.
GREAT CareShield can be purchased by CareShield Life or ElderShield policyholders. All Supplements are regulated under the CareShield Life and Long-Term Care Act 2019.
This is only product information provided by us. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
Information correct as at 3 September 2025.
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