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 your loved one has, 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 your loved one has 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.
To be eligible for ElderShield, your loved one must meet the following criteria:
Must need help with at least three of six Activities of Daily Living. These include:
Must have ElderShield coverage with one of the ElderShield insurers mentioned.
Your loved one is automatically enrolled in ElderShield if they are a Singapore citizen or Permanent Resident with a Medisave account at age 40, unless they opt out of the scheme. They can check their ElderShield coverage through the CPF Board's website, at
The form you download depends on the insurer your loved one is covered under:
Confirm your loved one 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).
Visit to the appointed assessor - $100 per assessment
House call - $250 per assessment
Complete the ElderShield Claim Form and hand them to the assessor, who will fill in the necessary sections and submit them to their ElderShield insurer.
If your loved one is assessed to be severely disabled, AIC will reimburse the amount to them.
If your loved one haS opted-out of ElderShield earlier, and wish to opt-in, please note that they need to be age 64 year old and younger, and their re-entry into the scheme will be subject to underwriting.
Should your loved one wish to opt back in, they can contact any of the three ElderShield insurers directly. You can find out more through the
Ministry of Health website.
What are Activities of Daily Living?
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