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ElderShield Comprehensive

Enhance your protection in your golden years

Read more updates on the latest recommendations proposed by the ElderShield Review Committee (ESRC) to enhance ElderShield, as part of the efforts to further strengthen our social safety nets for an ageing population.


Long Term Care can be very costly, especially if you are unable to care for yourself for an extended period of time. As most people are not able to save enough money for their own Long Term Care, the financial burden falls to their loved ones who will have to juggle between work and caregiving obligations.


Singapore Citizens and Permanent Residents with Medisave accounts are automatically covered by basic ElderShield at age 40. In the event of losing the ability to perform at least 3 out of 6 Activities of Daily Living (ADLs)1, you will receive S$400* Monthly Benefit payouts for up to six years.


ElderShield Comprehensive is designed to supplement basic ElderShield by providing higher benefits while stretching coverage up to a lifetime, to help you lessen the financial burden and provide greater peace of mind.

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Key benefits


Earlier and higher Monthly Benefit payouts

You can be assured of early care as ElderShield Comprehensive 2 ADLs accelerates Monthly Benefit payouts when you are unable to perform 2 out of 6 ADLs. You can also choose Monthly Benefit payouts of between S$300 to S$3,000 on top of your basic ElderShield.


Lifetime coverage with choice of Benefit Payment Period

Ensure peace of mind with Monthly Benefit payouts that continue as long as you suffer from severe Disability2 . You can choose the plan type to receive the Monthly Benefit for up to 10 years or up to a lifetime.


Additional lump sum benefit upon first claim

Receive a lump sum Initial Benefit3  on top of your Monthly Benefit payouts upon your first claim. While receiving your Monthly Benefit payouts, in the event of Death, ElderShield Comprehensive also provides a lump sum equivalent to three times the Monthly Benefit, and this can help with final expenses.

Enjoy free 12 months' Dengue Care for you and your family when you sign up eligible regular premium plans today! *Terms and conditions apply

How ElderShield Comprehensive works

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