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What are Supplements?

Supplements are plans which complement your basic ElderShield or CareShield Life plan by offering additional benefits, such as higher monthly payout amounts, which enhance your coverage.

You need to be an existing policyholder under ElderShield or CareShield Life to purchase Supplement plans.



How can you pay your Supplement premiums?

Premiums for your Supplements can be paid by cash or using your own or your family members' (i.e. spouse, parents, children, siblings or grandchildren) MediSave, up to a limit of $600 per calendar year per person insured.

You can top up your MediSave Account to pay the premiums via e-Payment through CPF e-Cashier .



What Supplement plans are available?

You may purchase any of the MediSave-approved Supplement plans under the insurers below.

The plans differ in their coverage and benefits, and you are strongly advised to contact your insurer first.

A comparison of the various ElderShield Supplement plans is also available below:

For CareShield Life Supplement plans, more information will be made available later. 


How do you know if you are covered under a Supplement plan?

If you are unsure whether you have a Supplement, you may check CPF Board's website by following these steps:

  1. Log on to the CPF Board website using your SingPass.
  2. For ElderShield Supplement plans, select "My Messages", and check for "ElderShield" under the "Healthcare" section.
  3. For CareShield Life Supplement plans, more information will be made available later. 

If you have a Supplement, this section will let you know the insurer you are covered under (i.e. Aviva, Great Eastern or Income).* If you have a basic ElderShield plan, do note that your Supplement insurer may not be the same as your ElderShield insurer.

If you do not have any Supplements, the CPF website will not reflect any information on Supplements.

*Please note that you will need to contact your insurer to find out which Supplement plan you are covered under.



What happens to your existing ElderShield Supplement if you decide to join CareShield Life?

Your ElderShield Supplement policy will stay in-force as long as you continue to pay premiums and do not terminate your coverage. You would also be able to claim from both your ElderShield Supplement policy and CareShield Life as long as you fulfil the respective claim criteria.

ElderShield Supplements will continue to be administered by the private insurers, even after the Government takes over the administration of ElderShield from end-2021.