As announced by the Ministry of Health (MOH) on 14 October 2021, the Government will be taking over the administration of the ElderShield scheme from the private insurers from 1 November 2021.


To facilitate the Government’s takeover of ElderShield, we have taken these steps:

- stopped accepting new applications; and

- ceased processing of claims and requests for changes to existing policies. The claims and requests will be forwarded to the Government for processing after 1 November 2021.


From 1 November 2021, we are unable to process your request. For requests or inquiries on ElderShield, you may submit them via Write to Us or call the Healthcare Hotline at 1800-222-3399 /+65 6222 3399 (overseas) from Monday to Friday, 8.00am to 5.30pm. For more information, please visit


If you have an ElderShield Supplement plan with us or with another insurer, the ElderShield Supplement plan will not be affected. You will continue to be served by us or your existing ElderShield Supplement insurer.

Here’s what you get with ElderShield 400.

How much you need to pay.

Premiums for ElderShield 400 are determined at the age of entry and do not increase with your age.

Premiums are payable until the policy anniversary after your 65th birthday.

Based on the default age of entry (40 years old):

  • Men pay: $174.96
  • Women pay: $217.76

View full premium table

For higher monthly benefit and a guaranteed lifetime payout, you can enhance your Basic ElderShield plan with PrimeShield.

Learn more

Coverage is automatic for all Singapore Citizens and Permanent Residents (PRs) with CPF MediSave accounts when you reach 40 years old. If you had previously opted out of ElderShield, you may choose to reapply for the plan here if you are between age 40 and 64 (age last birthday).

For information on ElderShield 300
This plan has been withdrawn for new submissions as of 30 September 2007.

If your ElderShield coverage began before 30 September 2007, you get monthly payouts of $300 for up to 60 months for severe disability.

View full premium table

Here’s how ElderShield works.

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