Long-term care insurance

Upgrade your ElderShield Upgrade your ElderShield

Long-term care for your peace of mind

ElderShield is a severe disability insurance scheme which provides basic financial protection to those who require long-term care.

Receive a monthly payout

ElderShield pays you up to S$400 monthly, for up to 72 months.

Get cash when a severe disability happens

When you're unable to perform at least 3 out of the 6 Activities of Daily Living (ADL).

Pay premiums for a limited time

Pay up to the policy anniversary after your 65th birthday (66 age next birthday)

What is severe disability?

ElderShield classifies a person as severely disabled when the person is certified to be unable to perform at least 3 out of 6 of the following tasks, even with special equipment and requires constant assistance.


The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.


The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.


The ability to feed oneself food after it has been prepared and made available.


The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.

Moving or walking around

The ability to move indoors from room to room on level surfaces.


The ability to move from a bed to an upright chair or wheelchair, and vice versa.

ElderShield coverage

Designed to help those who become severely disabled to manage their own everyday care.

Features ElderShield400
Requirements for benefits payouts Inability to perform at least 3 out of 6 ADL
Benefit payout duration Up to 6 Years (72 months)
Premium term Pay up to the policy anniversary after your 65th birthday (66 age next birthday)
Monthly Severe Disability Benefit Up to S$400
Waiting period  90 days / waived for accidental causes and auto coverage
Deferment period 90 days

Upgrade your ElderShield

Upgrade your ElderShield with MyCare or MyCare Plus for a higher monthly payout.

ElderShield is administered by the government.

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. A product summary in relation to MyCare/ MyCarePlus is available and may be obtained from us and the participating distributors’ offices. You should read the product summary before deciding whether to purchase the policy.

You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you. Buying health insurance products that are 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 plan can be found in the relevant policy contract. Information is correct at time of publishing. 

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 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 (www.lia.org.sg or www.sdic.org.sg).