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ElderShield

ElderShield is a severe disability insurance scheme that aims to provide basic financial protection to Singaporeans who need long-term care, especially in old age.

21 Sep 2018

We estimate that 1 in 2 Singaporeans who are healthy at the age of 65 will go on to develop a long-term disability. ElderShield is a severe disability insurance scheme that aims to provide basic financial protection to Singaporeans who need long-term care, especially in old age. It was introduced to help supplement Singaporeans’ savings in the event of severe disability. 

Who is Eligible?


If you have a MediSave account, you are automatically enrolled in ElderShield at the age of 40. You will be automatically covered by one of the following private insurers appointed by the Ministry of Health to run ElderShield: AvivaGreat Eastern or Income.

How do I check if I am Eligible?

Log on to the Central Provident Fund (CPF) Board website > My Messages > Healthcare. If you are covered under ElderShield, you will be able to see the ElderShield insurer you are covered under.

If you can’t see anything about ElderShield, this means that you are not covered. If you did not opt out and think this is a mistake, contact the CPF Board to enquire further.

What are the Benefits?


There are no exclusions of existing illnesses at the time you are automatically enrolled into the plan. However, if you opt-out and wish to opt back in later, you will be subject to a medical assessment. Your application may be rejected by the insurer if you have pre-existing illnesses. 

In the event of a severe disability, you will receive a monthly cash payout for a period of time. The amount and timescale depend on which of the following two plans you qualify for.

Is my existing disability covered?


If you are classified as severely disabled (i.e. unable to perform at least 3 Activities of Daily Living (washing, feeding, dressing, toileting, mobility, transferring) prior to the start of your ElderShield enrolment, you won’t be eligible for any claims. When you receive your welcome letter upon automatic enrolment at the age of 40, you should apply to cancel the plan. Any premiums collected from you will be refunded to you.

A small group of seniors who were not eligible for ElderShield when it was launched in 2002 (because they were too old or had pre-existing disabilities) are eligible for the Interim Disability Assistance Programme for the Elderly (IDAPE). Please refer here for more information.

How do I opt back in if I opted out earlier?


If you are between the ages of 40 and 65, and wish to opt back in to ElderShield, please approach any ElderShield insurer  (i.e. AvivaGreat 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.