ElderShield is a severe disability insurance plan that provides basic financial protection to those who need long-term care, especially in their old age.

Depending on the plan you have, ElderShield will pay a monthly cash benefit of $300 per month for up to 60 months, or $400 per month for up to 72 months, if you have a severe disability. The Ministry of Health has appointed three private insurers to administer ElderShield, namely, Aviva, Great Eastern and NTUC Income.

​ElderShield premiums are determined at age of entry and paid annually until age 65. The premium amount does not increase with age. Premiums can be paid through Medisave or in cash.

​ElderShield 300​ElderShield 400
(Default plan for people who joined ElderShield after September 2007)
​Payout Amount​$300 / month​$400 / month
​Payout Duration​Up to 60 months​Up to 72 months 


To be eligible for ElderShield:


NOTE: In view of the COVID-19 circuit breaker measures announced by the Government, all disability assessment services for disability schemes administered by the Agency for Integrated Care (AIC) and MOH-approved ElderShield insurers (Aviva, Great Eastern Life, NTUC Income) will be temporarily suspended for the duration of the circuit breaker period, currently from 7 Apr 2020 to 1 Jun 2020 (inclusive).

During the same period, all assessments for Assistive and Motorised devices applications under the Seniors’ Mobility and Enabling Fund (SMF) will also be suspended.

If you have an appointment for a disability assessment scheduled during the circuit breaker period, your disability assessor will contact you to make alternative arrangements as appropriate.

If you have been asked to go for a periodic disability review during the circuit breaker period in order to continue receiving your monthly payouts, please note that both AIC and MOH-approved ElderShield insurers will be deferring these reviews till after the circuit breaker measures are lifted. You will separately be informed of the revised deadline for your periodic disability review. In the meantime, AIC and/or your MOH-approved ElderShield insurer will continue to provide you with your monthly payouts. 

We seek your understanding that this suspension is to minimise exposure and reduce the risk of further local transmission of COVID-19, especially for vulnerable segments of the population. It will also allow healthcare professionals to focus on supporting COVID-19 related work and other emergencies.

You are automatically enrolled in ElderShield if you are a Singapore citizen or Permanent Resident with a Medisave account at age 40, unless you opt out of the scheme.

You can check for your ElderShield coverage through the CPF Board's website, at www.cpf.gov.sg.


1. Download the ElderShield Claim Form
The form you download depends on the insurer you are covered under:

2. Functional Assessment
Confirm you cannot perform three or more Activities of Daily Living by going for an assessment by an approved IDAPE assessor. ​The list of appointed assessors is here (and is the same across insurer).
3. Get Assessed 

  • Visit to the appointed assessor - $100 per assessment
  • House call - $250 per assessment

4. Submit the Forms
Complete the ElderShield Claim Form and hand them to the assessor, who will fill in the necessary sections and submit them to your ElderShield insurer.

If your ElderShield claim is successful, AIC will reimburse the assessment fee in full to you. For foreigners, please check with your insurer on the assessment fee reimbursement.

Opt-back into ElderShield

If you have opted-out of ElderShield earlier, and wish to opt-in, please note that you need to be age 64 year old and younger, and your re-entry into the scheme will be subject to underwriting.

Should you wish to opt back in, you can contact any of the three ElderShield insurers. directly.

You can find out more through the Ministry of Health website.


Visit Us

Visit the AIC Link branch nearest to you.

Contact Us


Do you have questions about ElderShield? We may have the answer here:

ElderShield | Agency for Integrated Care Singapore