PrimeShield

Health Insurance

Complement your Basic ElderShield protection with enhanced long-term coverage against severe disability

Key Benefits

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Lifetime coverage against severe disability with guaranteed payout for life

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Comprehensive benefits such as a lump-sum benefit, dependant care benefit, and get-well benefit or death benefit

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Announcement

If you are looking for a long-term care insurance plan, consider our Care Secure Pro which is available for purchase.

Here’s what you get with PrimeShield.

Guaranteed lifetime payout

Lifetime coverage against severe disability with guaranteed payout for life.

Higher monthly disability benefit

Monthly disability benefit of up to $3,000[1] if you have a severe disability.

Receive additional benefits

Comprehensive benefits such as a lump-sum benefit, dependant care benefit, and get-well benefit or death benefit.

Pay premiums using your Medisave account

Flexibility to use up to $600 from your MediSave account (per insured person per calendar year) to pay for your premiums.

Here’s how PrimeShield gives you additional protection.

  • Monthly disability benefit and Lump-sum benefit upon severe disability

    You will receive a monthly disability benefit for life (less any payment under your ElderShield plan) and a one-time lump sum payout equivalent to three times your monthly disability benefit if you are severely disabled.

  • Dependant care benefit

    If your child is under 21 years old and you become severely disabled, we pay an additional 25% of the monthly disability benefit for up to 36 months in your lifetime.

  • Get-well benefit[2]

    You will receive a one-time payout equivalent to three times your monthly disability benefit if you recover from the severe disability.

  • Death during severe disability[2]

    We give a one-time payout equivalent to three times your monthly disability benefit in the event of death while receiving the monthly disability benefit under this policy.

  • How much you need to pay.

    Yearly premiums for PrimeShield are non-guaranteed and may be reviewed from time to time. They are inclusive of GST and are based on your entry age (last birthday).
    The payment period will depend on when your plan starts.

           
    Entry age (last birthday) Premium payment period
    41 – 46 Until the policy anniversary after your 65th birthday
    47 – 64 20 years

    View PrimeShield 300 premium rates
    View PrimeShield 400 premium rates


    PrimeShield is only available to Singapore Citizens and Permanent Residents, born in 1979 or earlier, with an existing Basic ElderShield plan.


    Here’s how PrimeShield works.


    PrimeShield provides a monthly disability benefit if you are incapable of performing at least three of the following:

    • Washing
    • Dressing
    • Feeding
    • Toileting
    • Mobility
    • Transferring

    Your policy toolkit

  • Policy conditions

  • Understand the details

    [1]You can purchase PrimeShield at monthly benefit levels from $500 to $3,000. Please refer to the application form for the corresponding premiums and premium terms.

    [2]You will only receive either the get-well benefit or the death benefit. This is a one-time lump sum benefit payable per lifetime.

    There are certain conditions where the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

    This is for general information only. You can find the usual terms and conditions of this plan in the policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid.

    This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

    Information is correct as at 16 January 2026

    Learn more about health insurance.

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