Find out more about ElderShield, what it covers, and how to make claims.

Understanding ElderShield

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

In the event of severe disability, ElderShield policyholders will receive a monthly cash payout for a period of time, depending on the plan.

ElderShield policyholders today have one of two basic ElderShield plans:

ElderShield 300
(Default plan for people who joined ElderShield between Sept 2002 and Aug 2007)

ElderShield 400
(Default plan for people who joined ElderShield after September 2007)

Payout Amount

$300 / month

$400 / month

Payout Duration

Up to 60 months (five years)

Up to 72 months (six years)

ElderShield payouts are made in the form of a monthly cash benefit. This allows elderly Singaporeans who require long-term care to make their own decision as to whether they want to be cared for at home or at step-down care institutions such as community hospitals. 

Find out more about ElderShield here

What is “Severe Disability”?

It refers to the inability to perform at least three of the six activities of daily living (ADLs).

Activities of Daily Living (ADLs)

Activities of Elderly Daily Living 

ElderShield Coverage

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.

You will be covered by one of the following private insurers appointed by the Ministry of Health to run ElderShield:
Great Eastern
NTUC Income

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)

Related: Enhancement for Active Seniors (EASE)

Am I Covered Under ElderShield?

Log on to the Central Provident Fund (CPF) Board website with your SingPass.

After logging in, please select “My Messages” and check under the “Healthcare” section. If you are covered under ElderShield, this section will also let you know the ElderShield insurer you are covered under.

ElderShield Premiums

ElderShield premiums are determined at the age of entry and paid annually until age 65. The premiums are fully payable by MediSave, and the amount will remain the same as the policyholder grows older.

Policyholders are insured for life and can make claims at any age if they become severely disabled. In the event of a severe disability where they qualify to receive ElderShield payouts, they do not need to continue paying premiums.

Related: MediSave

How Much do I Pay for My Premiums?

Making an ElderShield Claim

In the event of a severe disability, caregivers may help their loved ones make the claim for their ElderShield payout.

Steps to Make an ElderShield Claim

1. Contact an MOH-accredited severe disability assessor for a severe disability assessment. You may obtain the list of assessors from AIC website at www.aic.sg/financial-assistance/Eldershield
o The assessor will conduct the severe disability assessment and collect an assessment fee from you. If the care recipient is assessed to be severely disabled, the full assessment fee will be reimbursed to you with the first payout.
o If the care recipient is residing in a nursing home, please approach the nursing home for assistance to submit a Resident's Assessment Form in place of the severe disability assessment. 

2. Login to AIC's e-Service portal (eFASS) - https://efinance.aic.sg with your Singpass to submit an online application for yourself or on behalf of the care recipient. 

3.If you are unable to submit your application using eFASS, please email AIC at apply@aic.sg or walk in to any of the AIC Link offices for assistance.

4.Care recipients in Nursing Homes can indicate in the application for payments to be made to the Nursing Home to offset their bills.

Related: Community Hospitals

ElderShield Supplements

Should you wish to have higher coverage (e.g. higher payouts or longer payout periods), you can consider purchasing ElderShield Supplements from any of the three approved insurers.

They complement ElderShield by offering additional benefits at different pricing levels. Premiums for ElderShield Supplements can be paid using MediSave (up to a limit of $600 per year per person insured) or by cash.

Find out more about ElderShield Supplements or contact any of the three insurers.

Related: MediFund

Long-term Care Financing Schemes

Caring for an elderly loved one with long-term care needs can be challenging. ElderShield is one of several financing sources that Singaporeans who require long-term care can tap.

For more details on the other financial help available for you and your family, check out the Singapore Agency for Integrated Care (AIC).

Related: Costs and Financing​​​

Frequently Asked Questions

Have more questions? Check out these Frequently Asked Questions on ElderShield.

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