Singlife ElderShield

ElderShield Standard and Plus

(Previously known as MyCare and MyCare Plus)
Enhance your ElderShield payouts with these two government approved plans and have better coverage in the event of severe disability

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Coverage beyond the basics

With Singlife ElderShield Standard and Singlife ElderShield Plus, you have access to the level of care you want,  for as long as you're severely disabled1. Both supplement plans help to boost your basic monthly payouts under the government’s ElderShield scheme, so that you’re better supported through challenging times.



Receive monthly payouts

We’ll give you S$600 to S$5,000 monthly, for up to 12 years or for life, if you’re severely disabled1


Choose a premium payment period

You can pay for life, or pay for 20 years or up to your 65th birthday2 – whichever is later.


Flexible payment

While receiving the monthly benefit3 or Rehabilitation Benefit4, you need not pay premiums5. Additionally, you may pay using MediSave funds6.


Lump-sum payout for severe disability

Receive a lump-sum payout that's up to three times your first monthly benefit3 when you’re severely disabled1.


Support for your child

Receive the Dependant Care Benefit that's an additional S$200 monthly if you have a child aged 22 and below, at point of claim, for up to 36 months. 

What’s the basic ElderShield payout?

The government's ElderShield scheme gives a payout when an individual is severely disabled1,
i.e. unable to perform three or more Activities of Daily Living.

ElderShield Payout
ElderShield 300 ElderShield400
                                                       S$300 per month for up to 5 years                                                                         S$400 per month for up to 6 years             


S$100 off first year's premium

Singlife ElderShield Standard and Plus now come with S$100 off your first year's premium! Terms and Conditions apply.

Find out more

Important Notes


All ages mentioned refer to age next birthday (ANB).

  1. Severe disability refers to being unable to perform at least two (for Singlife ElderShield Plus) or three (for Singlife ElderShield Standard) of the six Activities of Daily Living (ADLs). The ADLs are washing, toileting, feeding, dressing, transferring and walking or moving around.

  2. Premium payment term up to policy anniversary, for 20 years or after policyholder’s 65th birthday (66 age next birthday) – whichever is later – is only available with Singlife ElderShield Standard.

  3. The monthly benefit refers to the monthly Severe Disability Benefit under Singlife ElderShield Standard or Singlife ElderShield Plus, where applicable.

  4. The Rehabilitation Benefit will be payable when the Life Assured recovers from a Severe Disability but is still unable to perform two out of six ADLs, even with special aids, and requires physical assistance from another person throughout the activities. The Rehabilitation Benefit will be payable for the remaining Benefit Payout Duration.

  5. No premium will be payable during the period in which the Life Assured is receiving either the Severe Disability Benefit or the Rehabilitation Benefit. Premium payment will resume when the Life Assured no longer suffers from Severe Disability, or no longer meets the requirements of the Rehabilitation Benefit.

  6. MediSave use is applicable to an amount of up to S$600, per calendar year, per life assured. Premiums exceeding this limit will have to be paid in cash. If there are insufficient funds in the designated MediSave account, cash payment will be required for the difference.

  7. Payout upon death would be three times the monthly benefit or Rehabilitation Benefit, if the Life Assured were to die while receiving either of these benefits.


You need to have a basic ElderShield policy before purchasing Singlife ElderShield Standard or Singlife ElderShield Plus (“Supplements”).

The policy is underwritten by Singapore Life Ltd.

This is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. You may get a copy of the Product Summary from Singapore Life Ltd. or our participating distributors' offices. You should read the Product Summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. If you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you. 

Buying a health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. This is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.

Information is accurate as at August 2022.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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 us or visit the Life Insurance Association or SDIC websites ( or