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​​​​​​​​​​​​​​​Introduction to ElderShield

​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.​​


ElderShield 300
ElderShield 400 

(Default plan for people who joined ElderShield after September 2007)
Payout Amount

Payout Duration
Up to 60 months
Up to 72 months

How to Apply

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

How to Make a Claim

1. Download the ElderShield Claim Form 

The form you download depends on the insurer your loved one is covered under: 

2. Functional Assessment 

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).

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 their ElderShield insurer.

If your loved one is assessed to be severely disabled, AIC will reimburse the amount to them.

Opt-back into ElderShield

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.

Frequently Asked Questions

Have a question about Eldershield? We may have the answer here.

  • Washing: The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.
  • ​Dressing: The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical tools.
  • Feeding: The ability to feed oneself food.
  • Toileting: The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.
  • Mobility: The ability to move indoors from room to room on level surfaces.
  • Transferring: The ability to move from a bed to an upright chair or wheelchair, and vice versa.

Need more help?


​Send us your enquiry​​


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Sat: 8:30 am - 4.00 pm


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