A government health insurance plan that provides monthly cash payouts for individuals who need long-term care due to severe disabilities.

What it covers

Severe disability

We pay you a monthly disability benefit of up to $400 per month, for up to 72 months if you are incapable of performing at least three activities of daily living [1].

There are two schemes under ElderShield.

  1. Basic ElderShield 400, which was launched on 30 September 2007, offers increased coverage against severe disability.
  2. Basic ElderShield 300 is no longer available for new applications. Existing policyholders will continue to enjoy their coverage as long as premiums are paid till age 65.
Scheme Basic ElderShield 300 Basic ElderShield 400
Coverage start date Insured before 30 September 2007 Insured on or after 30 September 2007
Monthly benefit $300 $400
Benefit payout period 60 months 72 months


The premium is determined at the age of entry and does not increase with your age. Premiums are payable annually until you reach the age of 65.

ElderShield covers you for life, so you can claim benefits at any age.

You can use your Medisave account to pay for your premiums.

Enhance your coverage


Enhance your ElderShield policy with PrimeShield, which offers a higher monthly benefit and guarantees a lifetime payout, after your Basic ElderShield benefits have been exhausted.
More about PrimeShield

Before you apply

Coverage is automatic for all Singapore Citizens and Permanent Residents (PRs) with CPF Medisave accounts when you reach 40 years old. You can still apply for ElderShield if you have previously chosen to opt out and are between 40 to 64 years old (age last birthday).

You need to make your payments yearly.

Important Notes


  1. Activities of Daily Living are washing, dressing, feeding, toileting, mobility and transferring.
Information is correct as of 26 August 2015

Frequently asked questions

How to apply

For enquiries about health insurance, please call our hotline:
6788 3113

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