Singlife Living Well Summit (Symposium)

Singlife Symposium 2026: 
A Better Way to Protect

As Singapore enters a super-aged era, protection needs are changing. Beyond preparing for the unexpected, it’s about having the support and guidance to recover well, stay independent, and live with confidence.

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Protection planning for a longer life

We're living longer and facing increasingly complex health, caregiving and financial challenges.

This year, at the inaugural Singlife Symposium, we explored how protection can help individuals and families prepare earlier and navigate life’s uncertainties with greater confidence.

We examined three key areas of protection planning.

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Critical illness

Looking beyond treatment to the recovery needs, caregiving demands and potential income loss that may follow.

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Long-term care

Understanding the risk of severe disability and the importance of early action.

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Retirement

Preparing for rising living costs, healthcare expenses and possible gaps in retirement income.

Critical Illness and the Recovery Gap

More people in Singapore are surviving critical illnesses such as cancer, stroke, and heart attack, thanks to advances in screening, diagnosis, treatment and rehabilitation.

But treatment is only part of the journey. Recovery often continues long after discharge and may involve ongoing medical care, caregiving support, income disruptions and other costs. Yet recovery remains one of the most overlooked aspects of critical illness preparedness.

What’s the Recovery Gap?

While medical insurance typically covers hospital treatment and critical illness protection can provide financial support for income loss1, many underestimate the cost and caregiving responsibilities after hospitalisation and medical treatment ends.

The Recovery Gap is the shortfall in support needed to recover from a critical illness.

To better understand these often-overlooked challenges, Singlife's Closing the Recovery Gap report explores what critical illness recovery looks like, the support people need beyond treatment, and how individuals and families can prepare more holistically to recover well.

The Recovery Gap, in Numbers

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Recovery costs

Treatment and recovery costs can amount to approximately S$169,000

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Treatment expenses

Caregivers reported average expenses of S$4,922 per month across a 27-month recovery period2

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Out-of-pocket expenses

Claimants incurred approximately S$36,0003 medical expenses, such as deductibles and co-insurance

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Retirement trade-off

4 in 5 critical illness survivors drew on their retirement savings to cope with unexpected expenses 

Protection goes beyond recovery

Recovery and Long-term Care

While long-term care is often associated with ageing, it can also arise following a critical illness or disability that can happen at any stage of life. In fact, more than half of Singlife’s long-term care claims were linked to critical illness conditions.

Planning early can help protect your independence, ease the financial burden on loved ones, and give you greater confidence for the future.

Explore Singlife's Long-term Care White Paper

Rethinking retirement readiness

Retirement planning is about preparing for uncertainties and ensuring you have the resources and flexibility to support your lifestyle, health and care needs in the years ahead.

Explore plans to strengthen your retirement income.

Find out more

Close the Protection Gap

Enjoy these offers – plan and protect your income and savings with solutions that help you prepare for life's uncertainties.

Singlife Multipay Critical Illness II

10% perpetual and 30% off 1st year premium discount

A multiple-payout plan that covers critical illnesses across different stages, so you are supported at every unexpected turn.

Find out more

Singlife Comprehensive Critical Illness II

10% perpetual and 20% off 1st year premium discount

A single-payout plan that gives you the financial support to tackle various stages of critical illness.

Find out more

Singlife CareShield Standard/Plus

Up to 35% perpetual discount

Two government-approved supplement plans that boost your CareShield Life or ElderShield payouts so that you can get the care you need during unexpected events in life.

Find out more

Important notes

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1. Based on LIA's 2022 Protection Gap Study (page 5): https://www.lia.org.sg/media/3974/lia-pgs-2022-report_final_8-sep-2023.pdf

 

2. 27 months is the average duration for recovery. Recovery can last as long as 237 months (nearly 20 years) for some critical illness survivors.

 

3. Figures are based on Singlife Critical Illness Study, information accurate as at May 2026. Actual experiences and costs may vary depending on illness type, severity, treatment pathway, recovery duration and caregiving needs.

Terms and conditions

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Terms and conditions for the CARE Promotion Premium Discount
Terms and conditions for the Symposium Lucky Draw