ElderShield Coverage
Are you covered under ElderShield?
All Singapore Citizens and Permanent Residents with MediSave accounts are automatically enrolled in ElderShield at the age of 40, unless they opt out of the scheme.
Auto-enrolment
If you do not opt-out of the scheme, you will be covered by one of the following private insurers appointed by the Ministry of Health (MOH): Aviva, Great Eastern or Income. Three months before you turn 40, you will receive an ElderShield welcome package from one of the ElderShield insurers randomly assigned to you. You may change your ElderShield insurer before your policy commences by completing the Options Form in your welcome package.
Two basic ElderShield plans you can be currently enrolled in:
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If you joined ElderShield after September 2007: |
If you joined ElderShield between September 2002 and August 2007 |
| ElderShield400 |
ElderShield300 |
| Payout Amount |
$400 / month |
$300 / month |
| Payout Duration |
Up to 72 months (six years) |
Up to 60 months (five years) |
If you are born on 30 September 1932 or before, or with pre-existing disabilities as of 30 September 2002, you will not be able to join ElderShield. Instead, you may be eligible for Interim Disability Assistance Programme for the Elderly (IDAPE). Please refer here for more information.
No exclusions for pre-existing illnesses
There are no exclusions of existing illnesses (e.g. diabetes, high blood pressure) if you are auto-covered at the age of 40. However, if you opt-out and wish to opt-in later, you will be subject to a medical assessment by the insurer, and your application may be rejected by the insurer if you have pre-existing illnesses.
Pre-existing severe disabilities are not covered
If you are severely disabled (i.e. unable to perform three or more Activities of Daily Living) prior to the start of your ElderShield enrolment, you are advised to make a declaration when you receive your welcome package. This is because those with pre-existing disabilities will not be eligible for claims. Any premiums collected from you will be refunded to you.
Checking your ElderShield or ElderShield Supplement coverage
If you are unsure whether you are covered under ElderShield, you can check through the Central Provident Fund (CPF) Board's website with the following steps:
a. Log on to the CPF Board website using your SingPasss.
b. Select "My Messages", and check for "ElderShield" under the "Healthcare" section.
If you are covered under ElderShield or ElderShield Supplements, this section will let you know the ElderShield insurer you are covered under (i.e. Aviva, Great Eastern or Income).* We would like to highlight that your Supplement insurer may not be the same as your ElderShield insurer.
If you are not covered under ElderShield or ElderShield Supplements, the CPF website will not reflect any information on ElderShield or ElderShield Supplements.
* Please note that you will need to contact your insurer to find out which ElderShield plan (i.e. ElderShield 300 or ElderShield 400) or ElderShield Supplement plan you are covered under. The contact details of the insurers can be found here.
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Opting back into ElderShield
If you are between the ages of 40 and 64, and opted out earlier but wish to opt back in to ElderShield, please approach any ElderShield insurer (i.e. Aviva, Great Eastern or Income) to apply.
All three insurers offer the same premiums and payouts under ElderShield. However, please note that you will be required to go through a medical assessment. Your application could be rejected by the insurer if you have a pre-existing illness. |