Eldershield information

About ElderShield

What is ElderShield?
ElderShield is an insurance scheme introduced by the Ministry of Health (MOH) to help people who become severely disabled. ElderShield provides $300 cash payout every month (for up to 60 months) to those who are not able to do at least 3 of the 6 Activities of Daily Living (ADLs). The 6 ADLs are washing, dressing, feeding, toileting, mobility and transferring.

This money can help to pay for a type of care that is suitable to the patient's needs (e.g. home nursing services, day rehabilitation, nursing homes, etc).

Who Is Eligible For ElderShield?
All CPF Members (Singapore Citizens and Permanent Residents) who reach the age of 40 will be covered automatically. As it is an auto-cover scheme, you do not have to sign up to join ElderShield.

An Affordable Insurance Scheme
Premiums for ElderShield are affordable.

Moreover, it is hassle-free as ElderShield premiums will be deducted from your Medisave Account. You may also choose to pay using the CPF Medisave Accounts of your spouse, parents, children or grandchildren or pay by Interbank GIRO, Cheque or Cash.

Background on ElderShield
Singapore Citizens and Permanent Residents aged 40 - 69 (as at 30 September 2002) and with a CPF Account formed the Initial Auto-Coverage Cohort. They received an auto-cover package in June 2002 and their ElderShield policy commenced on 30 September 2002, unless they opted out before 30 September 2002 or were "disabled".

Singapore Citizens and Permanent Residents who turn 40 after 30 September 2002 and with a CPF Account formed the Steady State Auto-Coverage Cohort. The first Steady State Auto-Coverage Cohort (consisting of those who turned 40 years old in October 2002) received their auto-cover package by end July 2002 and their ElderShield policy commenced on 31 October 2002, unless they opt-out before 31 October 2002 or are "disabled".

Benefits Illustration of ElderShield Basic & Upgrade

ElderShield Basic & Upgrade

Benefits	ElderShield Basic Plan	Upgraded ElderShield Plan
Monthly Benefit Payout	$300	$400
Duration of Benefit Payout	Up to 60 months	Up to 72 months
Maximum Potential Payout	$18,000	$28,800
ElderShield Supplements	NIL	PH can purchase supplements from any of the 3 insurers as long as they have a basic ESH plan
Insurers	Great Eastern NTUC Income	Great Eastern NTUC Income Aviva