Coverage beyond the basics

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.