You can upgrade now without any cash outlay using MediSave with Supplement Plans!

Key benefits

  • Increases your disability monthly payout up to 5000/mth to lifetime coverage beyond basic ElderShield coverage

  • Reduce claim requirements from 3 to 2 out of 6 ADLs.

  • Read below for more benefits.

What is Eldershield?

ElderShield is a severe disability insurance scheme which provides basic financial protection to those who need long-term care. It provides a monthly cash payout to help pay for out-of-pocket expenses up to a maximum period of 6 years.
To make a claim, insured has to be assessed by an accredited disability assessor to be unable to perform at least 3 out of the 6 Activities of Daily Living (ADLs) as shown below. 














The 3 out of 6 ADLs can happen due to any circumstances; be it an accident, illness or even old age. The coverage is extensive.

Why should you care?


According to stats from Society for the Physically Disabled (SPD)¹,

  • Approximately 3% of the resident population has some form of disabilities.

  • Those aged 60 and above will spend 3 to 8 years of their lives with some form of disabilities

Singaporeans has one of the world's longest life expectancy of 84.8years².

Average Singaporeans living in good health - 74.2 years, this means we could be living in ill health for around 10 years². 

1 in 2 healthy Singaporeans aged 65 stands a chance of becoming severely disabled in their lifetime and may need long-term care.


Is Eldershield sufficient?

Basic Eldershield will help relieve some of these hardships by providing monthly payouts of $400 per month to help cover long-term care. However it could be insufficient. Long-term care costs will continue well after a policy’s benefits have expired after 6 years.

Enter Eldershield Supplement Plans!

 Beyond the basic ElderShield coverage, you can only upgrade using supplement plans!

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.

So, by having a supplement plan, you are able to bridge closer to the required needs of 2324/month.


Why Upgrade Now?

The pricing for enhancements would vary based on your entry age. Pre-existing conditions may also limit your coverage or mean paying more for your coverage. So, get it while you’re young and healthy.

Premiums will be cheaper when you do the upgrade at an earlier age, premiums will also stay the same every year, but non guaranteed. 

As of now, Company A is having a $100 discount voucher.* 


1. The upgrade is only applicable for people aged 40-65.
2. Not suffering from chronic illness especially such as diabetes, heart problems or those that requires long term medication; do put in comments if unsure.
3. Singaporeans & PRs
To proceed, fill in your details and we will contact you!
Fill in your details

By submitting this form, I authorize, agree and consent for consultants to email or call me to provide information regarding their services.

Thanks for submitting!