TOP

  • 1. What is ElderShield?

    ElderShield was first launched by the Ministry of Health in September 2002 as a severe disability insurance scheme which provides basic financial protection to those who need long-term care especially in their old age. It provides a monthly cash payout for up to 72 months to help pay out-of-pocket expenses for the care of severely disabled persons.

    ElderShield was offered to eligible Singapore Citizens and Permanent Residents (PRs) who had a MediSave Account when they turned 40 years old in 2019 or earlier.

    ElderShield is currently administered by three private insurers appointed by the Ministry of Health. They are: Aviva Ltd, Great Eastern Life Assurance Co Ltd and NTUC Income Insurance Co-operative Ltd. The insurers are also allowed to provide ElderShield Supplements.For more information on ElderShield, please refer here or contact the ElderShield insurers here:

    Aviva Limited
    Address: 4 Shenton Way, #01-01, SGX Centre 2, Singapore 068807
    Website: aviva.com.sg
    Email: cs_life@aviva-asia.com
    Hotline: 6827 7788

    NTUC Income Insurance Co-operative Limited
    Address: 75 Bras Basah Road, NTUC Income Centre, Singapore 189557
    Website: income.com.sg
    Hotline: 6332 1133

    The Great Eastern Life Assurance Company Limited
    Address: 1 Pickering Street #13-01, Great Eastern Centre, Singapore 048659
    Website: greateasternlife.com
    Email: wecare-sg@greateasternlife.com
    Hotline: 1800-248-2888

    2. How can I check if I am covered by ElderShield?

    You can check for your ElderShield or Supplement coverage through the CPF Board’s website. The steps are as follows:

    a. Visit the CPF website.
    b. Log in to “my CPF Online Services” using your SingPass.
    c. Select “My Messages”, and check under “Healthcare” section.

    If you are covered under ElderShield and/or Supplement plan/s, this section will let you know which ElderShield insurer you are covered under (i.e. Aviva, Great Eastern, or NTUC Income).*

    *If you are not covered under ElderShield, the CPF website will not reflect any information on ElderShield. Please note that your Supplement insurer may not be the same as your ElderShield insurer.

    3. How do I find out which ElderShield or Supplement plan I am covered under?

    You will need to contact your ElderShield insurer directly to find out which ElderShield plan (i.e. ElderShield 300 or ElderShield 400) you are covered under.

    The contact details of the three ElderShield insurers are:

    Aviva Limited
    Address: 4 Shenton Way, #01-01, SGX Centre 2, Singapore 068807
    Website: aviva.com.sg
    Email: cs_life@aviva-asia.com
    Hotline: 6827 7788

    NTUC Income Insurance Co-operative Limited
    Address:
    75 Bras Basah Road, NTUC Income Centre, Singapore 189557
    Website: income.com.sg
    Hotline: 6332 1133

    The Great Eastern Life Assurance Company Limited
    Address: 1 Pickering Street #13-01, Great Eastern Centre, Singapore 048659
    Website: greateasternlife.com
    Email: wecare-sg@greateasternlife.com
    Hotline: 1800-248-2888

    4. How do I join ElderShield?

    If you are born in 1980 or after, you will be covered automatically under CareShield Life. There is no need for you to join ElderShield.
     
    If you are born in 1979 or earlier and previously withdrew from ElderShield, you may approach any of the ElderShield insurer (i.e. Aviva, Great Eastern or NTUC Income) to re-join ElderShield again. All three insurers offer the same premiums and payouts under ElderShield.
     
    You will be required to go through a medical assessment. Your application may be rejected by the insurer if you have a pre-existing medical condition.
     
    Once CareShield Life is made available for Singapore Citizens and Permanent Residents born in 1979 or earlier from end-2021 onwards, you may choose to join CareShield Life if you are not severely disabled. The ElderShield scheme will then be closed to new applications.
     

    5. Can I change my ElderShield insurer and how can I do it?

    If you are a Singapore Citizen or Permanent Resident who turned 40 in 2019 or earlier, you would have received an ElderShield welcome package by post from your assigned insurer, three months before your 40th birthday.
     
    If you wish to change your insurer, you can fill up the form provided and mail it back to the assigned insurer. You should receive your policy documents from your new insurer, one to two weeks after submitting your request.
     
    If you wish to change to a different insurer after the commencement of your ElderShield cover, you would need to terminate your policy with your existing insurer and apply for a new cover with the new insurer. Please note that you may be subjected to underwriting or re-assessment of your health condition by the new insurer. In addition, no premium will be refunded when you terminate your ElderShield cover after the first 60 days of the first policy year.
     

    6. How long will I be covered under ElderShield?

    ElderShield provides lifetime coverage to its insureds. Once an ElderShield insured starts paying premiums, he will be covered under ElderShield. An insured will be covered under ElderShield for the rest of his life when he finishes paying all the premiums under the Regular Premium Plan (i.e. at age 65) or a lump sum premium under the Single Premium Plan. For example, he can still submit a claim if he becomes disabled at age 85, so long as his total claims have not exceeded 60 months (for ElderShield 300) or 72 months (for ElderShield 400).

    7. How do I terminate my ElderShield policy?

    You can terminate your ElderShield if you do not wish to continue to be covered under the scheme. However, you will lose all existing benefits, and you may have to go for a medical assessment if you wish to re-join ElderShield (or CareShield Life, from end-2021 onwards). We therefore encourage you to consider keeping your ElderShield policy to ensure you continue to have basic protection for long-term care.
     
    If you have decided not to be covered under the Scheme, you may write in to your insurer indicating your wish to terminate your ElderShield cover. Your name and NRIC number should be indicated clearly, and you should personally sign the letters instructing the insurer to terminate your ElderShield cover.
     
    Please note that no premium will be refunded if you terminate your ElderShield cover, after the first 60 days of the first policy year.
     

    8. Can I still join ElderShield now?

    If you are born in 1980 or later, you will be covered by CareShield Life after the scheme launch date on 1 October 2020. ElderShield will not be applicable to you.
     
    If you are born in 1979 or earlier and not covered under ElderShield, you can still apply to join the ElderShield 400 scheme now, subject to medical underwriting by the private insurers.
     
    Once CareShield Life is progressively made available for those born in 1979 or earlier from end-2021, you can choose to join CareShield Life if you are not severely disabled. The ElderShield scheme will be closed to new applications thereafter. 
     

    9. Can I upgrade from ElderShield 300 to ElderShield 400 now?

    Insurers no longer accept upgrades from ElderShield 300 to ElderShield 400.

    10. Can I downgrade from ElderShield 400 to ElderShield 300 now?

    You cannot downgrade from ElderShield 400 to ElderShield 300.

    11. What are the likely causes of severe disability?

    Severe disability could have many causes. Examples include:

    • A sudden event such as stroke or spinal cord injuries
    • Progression of illnesses such as Parkinson’s Disease, Alzheimer’s Disease and other causes of dementia, worsening of chronic conditions or diseases such as diabetes, and multiple sclerosis.

    12. What are the payouts of the current ElderShield scheme?

    ElderShield is a basic long-term care insurance scheme targeted at severe disability, especially in old age. ElderShield provides monthly payouts of $300 or $400 per month, for up to 5 or 6 years. Your plan’s benefits depend on when you joined ElderShield.

     

    If you joined ElderShield from September 2007 (inclusive)

    If you joined ElderShield between September 2002 and August 2007

     

    ElderShield 400

    ElderShield 300

    Payout Amount

    $400 / month

    $300 / month

    Payout Duration

    Up to 72 months (6 years)

    Up to 60 months (5 years)

    Table 1: Payouts for ElderShield

    If you are also covered under ElderShield Supplements, you will receive additional benefits.

    14. Will my ElderShield be terminated if I am no longer a Singapore Permanent Resident (SPR)?

    You are still covered under ElderShield if you have renounced your Singapore Citizenship/Permanent Residency after the commencement of your ElderShield.

    15. What is the difference between CareShield Life, ElderShield, MediShield Life, CPF LIFE, ElderFund, Community Health Assist Scheme (CHAS), Home Caregiving Grant (HCG) , Pioneer Generation Disability Assistance Scheme (PioneerDAS) and Interim Disability Assistance Programme for the Elderly (IDAPE)?

    CareShield Life, ElderShield, MediShield Life, CPF LIFE, CHAS, HCG, PioneerDAS,  ElderFund and IDAPE are schemes that help Singaporeans with different types of healthcare and retirement expenses.

    • CareShield Life and ElderShield are long-term care insurance schemes. They insure Singaporeans against the risks of requiring long-term care due to severe disability by providing monthly cash payouts for as long as the insured remains severely disabled. CareShield Life offers better protection and assurance as compared to ElderShield.

    • MediShield Life is a universal healthcare insurance scheme. It insures Singaporeans from birth, against the risk of medical conditions that result in large hospital bills and selected costly outpatient treatments.

    • CPF LIFE is a longevity insurance scheme, which insures Singaporeans against the risk of outliving their retirement savings, by providing a monthly payout from their payout eligibility age, for as long as they live.

    • Community Health Assist Scheme (CHAS) enables all Singapore Citizens, including Pioneer Generation (PG) and Merdeka Generation (MG) cardholders, to receive subsidies for medical and/or dental care at participating General Practitioner (GP) and dental clinics. CHAS was implemented to allow CHAS cardholders to enjoy more subsidies at Specialist Outpatient Clinics (SOCs) in public hospitals when referred by CHAS-partnered clinics or polyclinics.

    • Home Caregiving Grant (HCG) is a monthly cash grant of $200 to support families caring for their loved ones with permanent moderate disability who reside in the community, and who require some assistance in at least three Activities of Daily Living. The HCG grant can be used to defray the costs of caregiving expenses, such as the cost of eldercare and caregiver support services in the community or hiring of a foreign domestic worker.

    • Pioneer Generation Disability Assistance Scheme (PioneerDAS) offers life-long monthly cash assistance of $100 to Pioneers with permanent moderate disability who require some assistance in at least three Activities of Daily Living. Applicants must first be verified as a Pioneer to be eligible.  

    • IDAPE is a government assistance scheme providing financial help to needy and disabled elderly Singaporeans who were not eligible to join ElderShield when it was launched in 2002 because they had exceeded the maximum entry age or had pre-existing disabilities.

    • ElderFund is a discretionary government assistance scheme providing financial help to severely disabled lower-income Singaporeans aged 30 and above who are not able to join CareShield Life, or have low MediSave balances and inadequate personal savings to meet their long-term care needs. 

    16. What are the contact details of the ElderShield insurers?

    The contact details of the three ElderShield insurers are:

    Aviva Limited
    Address: 4 Shenton Way, #01-01, SGX Centre 2, Singapore 068807
    Website: aviva.com.sg
    Email: cs_life@aviva-asia.com
    Hotline: 6827 7788

    NTUC Income Insurance Co-operative Limited
    Address: 75 Bras Basah Road, NTUC Income Centre, Singapore 189557
    Website: income.com.sg
    Hotline: 6332 1133

    The Great Eastern Life Assurance Company Limited
    Address: 1 Pickering Street #13-01, Great Eastern Centre, Singapore 048659
    Website: greateasternlife.com
    Email: wecare-sg@greateasternlife.com
    Hotline: 1800-248-2888

  • 1. How much is my ElderShield premium?

    Your ElderShield premium is set based on your age when you join the scheme, and is payable until age 65. The premium amount does not increase with age. You can find your premiums for ElderShield 400 and ElderShield 300 here.

    2. How do I pay my ElderShield premiums?

    You can use your MediSave to pay for your ElderShield premiums in full. If you do not have enough MediSave savings, you may also use the MediSave savings of your spouse, parents, children, siblings and grandchildren to pay for the premiums. Alternatively, you may pay for your premiums in cash to your ElderShield insurers directly. Other alternatives include paying via inter-bank GIRO to your insurers.

    3. What happens when there are insufficient funds in my MediSave Account to pay for my ElderShield premium?

    If there are insufficient funds in your MediSave Account to pay for your ElderShield premium, your insurer will inform you of the outstanding balance, and collect this balance from you directly. Payment could be via cash, cheque, Interbank GIRO, Internet Banking etc depending on the payment modes available from your insurer.

    Alternatively, you may arrange with the insurer to deduct the premium from the MediSave Account of your spouse, parents, children, siblings and grandchildren.

    4. How do I apply to pay for my family members' ElderShield premiums using my MediSave?

    You may approach the relevant insurer whom your spouse, parents, children, siblings or grandparents are insured with, to arrange for the deduction from your MediSave account to pay for their ElderShield premiums.

    5. Why are the premiums collected under ElderShield so high, but claims paid out so low?

    Long-term care insurance like ElderShield works by pooling together premiums paid by insureds in their younger years while most are still working. These funds are collected and invested, so that they are available in future years, when insureds are no longer paying premiums and are more likely to suffer from severe disability.

    The premiums collected under ElderShield currently exceed the claims paid out because the age profile of ElderShield insureds is relatively young, with a median age of 52. The premiums collected are not surpluses. They are meant to support future claims, when ElderShield insureds become older and more of them become severely disabled and start to make claims.

    6. I am paying ElderShield premiums for myself and my dependants. How do I check the transaction details?

    Deduction and refund transactions for ElderShield policies are reflected as "ESH" in the payer's CPF Statement of Account (SOA) on the CPF website under “my cpf Online Services”. After logging in to this service with your CPF Account Number and SingPass, please select "My Statement" and proceed to "Section B: Transaction & Contribution History".

    You are also able to view your coverage status online on the CPF website under "my cpf Online Services". After logging in to this service with your CPF Account Number and SingPass, please select "My Messages" and view under “Healthcare”.

    Please note that the dependants' details will not be reflected if their ElderShield premiums are fully paid by cash as there was no usage of the Payer's MediSave monies.

    Policy coverage status and dependants' details are updated by insurers at the end of the previous month. Please check with your insurer(s) directly if you need more updated information.

    7. How do I apply/ terminate/ change of payer/ request for a refund of the amount deducted from my/my dependent’s MediSave account for the ElderShield plan?

    As ElderShield is administered by the private insurers, you may approach your insurer for any requests and enquiries pertaining to your/your dependent’s ElderShield plan.

    The contact details of the three ElderShield insurers are:

    Aviva Limited
    Address: 4 Shenton Way, #01-01, SGX Centre 2, Singapore 068807
    Website: aviva.com.sg
    Email: cs_life@aviva-asia.com
    Hotline: 6827 7788

    NTUC Income Insurance Co-operative Limited
    Address: 75 Bras Basah Road, NTUC Income Centre, Singapore 189557
    Website: income.com.sg
    Hotline: 6332 1133

    The Great Eastern Life Assurance Company Limited
    Address: 1 Pickering Street #13-01, Great Eastern Centre, Singapore 048659
    Website: greateasternlife.com
    Email: wecare-sg@greateasternlife.com
    Hotline: 1800-248-2888

    8. Can I use my CPF MediSave to pay for the ElderShield premiums for my grandparents?

    You can use your MediSave to pay for your own or your family members’ (spouse, parents, children, siblings and grandparents) premiums for basic ElderShield and ElderShield Supplements. For ElderShield Supplements, usage of MediSave is capped at a limit of $600 per year.

    9. Do I still need to pay premiums if I am eligible for ElderShield benefit claim payout?

    If you qualify for ElderShield benefit claim payout, you do not need to pay premiums if there is no change in your disability status. For further details on ElderShield claims payout or premiums, please check with your ElderShield insurer.

    The contact details of the three ElderShield insurers are:

    Aviva Limited
    Address: 4 Shenton Way, #01-01, SGX Centre 2, Singapore 068807
    Website: aviva.com.sg
    Email: cs_life@aviva-asia.com
    Hotline: 6827 7788

    NTUC Income Insurance Co-operative Limited
    Address: 75 Bras Basah Road, NTUC Income Centre, Singapore 189557
    Website: income.com.sg
    Hotline: 6332 1133

    The Great Eastern Life Assurance Company Limited
    Address: 1 Pickering Street #13-01, Great Eastern Centre, Singapore 048659
    Website: greateasternlife.com
    Email: wecare-sg@greateasternlife.com
    Hotline: 1800-248-2888

    10. ElderShield premiums are only paid until age 65. Why is my insurer asking me for premiums after I turned 65 last year?

    The ElderShield scheme collects premiums based on the insured’s age as at their last birthday. Premiums are deducted annually on your policy renewal date, with the last deduction scheduled for the policy renewal date after your 65th birthday.
     
    For example, the annual premium payable for a 40-year-old Male (date of birth: 30 June 1978) who chooses to join ElderShield 400 on 30 Apr 2019 is $175 as he would still be age 40. The annual premium payable would have to be paid until age 65, i.e. 26 premium payments from age 40 to 65, including the policy renewal date where the insured is 65 i.e. 30 Apr 2044.

     

  • 1. Who is eligible for ElderShield/CareShield Life claims?

    If you are covered by CareShield Life/ElderShield, you will be eligible for claims if you are assessed to be severely disabled. 

    You would need to be assessed by an MOH-accredited severe disability assessor. You are likely to be assessed as severely disabled if you are unable to perform at least three out of six Activities of Daily Living (ADLs). The ADLs are bathing, dressing, feeding oneself, using the toilet, moving around (walking) and transferring from bed to chair and vice versa. 

    For example, at least three of any of the following scenarios apply to you:

    • You may need to rely entirely on your caregiver to be fed
    • You may need to rely entirely on your caregiver to be bathed 
    • You may need to rely entirely on your caregiver to manage your diapers or catheter
    • You may need to rely entirely on your caregiver to be put on your clothes
    • You need to rely entirely on caregiver to move over a distance, e.g. cannot walk on one’s own or push oneself in a wheelchair 
    • You need to be fully supported when being transferred from bed to chair, or chair to bed

    The assessment fee will be waived for the first disability assessment for CareShield Life claims, regardless of the claim outcome. Otherwise, you will be reimbursed fully for the assessment fee if you are assessed to be severely disabled. AIC will send you a letter to inform you about details of the reimbursement and the account to which the reimbursement has been made. 

    If you are assessed to have mild/ moderate disability, you may still be eligible for mild/ moderate disability assistance schemes like the Home Caregiving Grant and FDW Levy Concession. Mild disability means you require assistance in at least one ADL while moderate disability means you always require some assistance with at least three ADLs. 

     

    2. How do I make a claim under ElderShield?

    You may obtain a copy of the claim form and list of appointed assessors from the insurer's website. Please fill up the claim form and have your condition assessed by a MOH-accredited severe disability assessor. The assessor will complete the assessment form and return it to your insurer for processing. You can also contact your ElderShield insurer for details and advice:

    • Aviva (Hotline no: 6827-7788)
    • Great Eastern (Hotline no: 1800-248-2888)
    • NTUC Income (Hotline no: 6332-1133)

    The claim forms and list of MOH-accredited severe disability assessors can be found at careshieldlife.gov.sg/claims.

    3. I am receiving support from Pioneer Generation Disability Assistance Scheme or Foreign Domestic Worker Grant. Why can’t I qualify for ElderShield claims?

    The ElderShield claims criterion is stricter as ElderShield is intended for severe disability, whereas the other schemes such as Pioneer Generation Disability Assistance Scheme and Foreign Domestic Worker Grant are meant for moderate disability. This means that individuals should demonstrate that they require significantly more assistance before qualifying for ElderShield payouts.

    Nonetheless, the Government recognises that it is possible to establish some equivalence across select disability assessment tools, and is currently studying how this can be done without compromising the robustness of the ElderShield claims assessment process.

    5. Why am I unable to undergo a severe disability assessment for ElderShield/ CareShield Life/ MediSave Care at a hospital?

    While you are undergoing treatment in the hospital, your disability status may change, and this may impact your long-term care scheme application.  As such, we do not recommend the Patients to attend the severe disability assessment while hospitalised.

    Our focus is to accredit healthcare professionals in the community, including the GPs, and clinicians in the long-term care sector to assess individuals’ level of disability when their condition has stabilised.

    6. Are there any alternative documents that I can submit for ElderShield/ CareShield Life/ MediSave Care claims instead of a severe disability assessment?

    The Government is looking into recognising equivalent assessments that have been performed by a qualified healthcare professional (doctors, occupational therapists, physiotherapists, and registered nurses) providing care to the Patient. In such cases, the Patient need not undergo a separate severe disability assessment. Today, those who are staying in a Nursing Home can already approach their Nursing Home for assistance to submit the Resident’s Assessment Form in place of the severe disability assessment.

    MOH and AIC will progressively roll out the use of such equivalent assessments and will make the information available via the MOH and AIC website.

    7. I cannot afford to pay the ElderShield assessment fee, is there any financial assistance?

    Please select the scenario that is applicable for you. 

    You selected: If you are receiving assistance under ComCare / Public Assistance / MediFund / MFAC / MFEC and/or CHAS Blue

    You can contact any of the MOH-accredited severe disability assessors and inform him/her that you are unable to pay for the upfront assessment fee. Please explain to the assessor which scheme you are receiving assistance under and check if the assessor can waive the assessment fee for you on these grounds before proceeding to make an appointment with the assessor. If the assessor is unable to waive the fees, please contact AIC for further assistance. 

    You selected: If you are staying in a Nursing Home

    You can approach your Nursing Home for their help to submit a Resident Assessment Form (RAF) in place of a severe disability assessment.
     
    The RAF is conducted regularly by Nursing Homes as part of Patient care, and there is no additional charge.
     
     

     

     

     

     

     

    8. Can the pool of assessors for ElderShield/ CareShield Life be expanded to include any Singapore-registered doctor, therapist or nurse?

    Severely disabled ElderShield/ CareShield Life insureds who wish to apply for claims will need to undergo a severe disability assessment by a MOH-accredited severe disability assessor.

    A trained, accredited severe disability assessor will be able to assess whether the applicant meets the  ElderShield/CareShield Life criteria of being unable to perform three or more of the six Activities of Daily Living (ADLs). We have expanded the list of accredited assessors to include therapists and nurses who have been trained.

    All MOH-accredited assessors have undergone a rigorous training programme to learn how to assess a Patient’s level of disability. Through the training, assessors are equipped to assess an individual’s ability to perform the six ADLs, including specific components of each ADL to take into account, what factors to consider when an individual is cognitively impaired, and what should be done if any individual’s functional ability fluctuates over time. As this is a complex process, the training and accreditation is necessary to ensure that disability assessments are conducted with a high degree of rigour and consistency.

    The Government is also looking into recognising equivalent assessments that have been performed by a qualified healthcare professional (doctor, occupational therapists, physiotherapists, and registered nurses) providing care to the patient. In such cases, the patient need not undergo a separate severe disability assessment. Today, those who are staying in a nursing home can already approach their nursing home for assistance to submit the Resident's Assessment Form in place of the severe disability assessment.

    MOH and AIC will progressively roll out the use of such equivalent assessments and will make the information available via MOH and AIC website.