What are Supplements?

Supplements are plans which complement your basic CareShield Life or ElderShield 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 of Supplement plans for insureds who are Singapore Citizens or Permanent Residents can be paid by cash or by using the insured’s own or the insured’s family member’s (e.g. spouse, parents or children, sibling or grandchild) MediSave, up to a limit of $600 per calendar year per person insured. 

What Supplement plans are available?

You may purchase any of the MediSave-approved Supplement plans offered by the private insurers below.

The plans differ in their coverage and benefits, and you are strongly advised to contact your preferred insurer for more information.

Comparisons of the various Supplement plans are also available below:

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. Visit the CPF Board website.  
  2. Log in to my cpf Digital Services using your Singpass.
  3. Hover over "my cpf" and click on "Healthcare" under "My dashboards".
  4. Click on “My Messages” on the alert card.

If you have a Supplement, this section will let you know the insurer you are covered under (i.e. Aviva, Great Eastern or Income). Do contact your insurer to find out which Supplement plan you are covered under.      

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

Contact information of ElderShield and Supplement Insurers

To find out which ElderShield plan (i.e. ElderShield 300 or ElderShield 400) or Supplement you are covered under, please contact your Insurer. 


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

Your Supplement policy will stay in-force as long as you continue to pay Supplement premiums and remain covered under the CareShield Life/ElderShield policy. You would also be able to claim from both your Supplement policy and CareShield Life/ElderShield as long as you fulfil the respective claim criteria. 

All Supplement plans will continue to be administered by the private insurers, even after the Government takes over the administration of ElderShield from 1 November 2021 onwards.