Am I Covered

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.


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): AvivaGreat 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:

   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.

Last Updated on 04 Sep 2019