ElderShield

Until 2019, all Singapore Citizens and Permanent Residents with MediSave Accounts were enrolled in ElderShield at the age of 40, unless they opted out.

Since 2020, auto-enrolments into ElderShield were discontinued. Singapore Citizens and Permanent Residents who turned 40 in 2020 were instead enrolled into CareShield Life.

If you were born on 30 September 1932 or before, or had a pre-existing disability as of 30 September 2002, you wouldn’t have been able to join ElderShield in 2002. Instead, you may be eligible for assistance under the Interim Disability Assistance Programme for the Elderly (IDAPE) if you develop severe disability.

Follow these steps to check on your coverage:

1. Log in using your Singpass.
2. Hover over "my cpf" and click on "Healthcare" under "My dashboards".
3. Click on “Long-term care insurance” on the anchor links or scroll down to the “Long-term care insurance” section.

If you’re not covered, no information on ElderShield will be reflected.

Disability assessment can be conducted by any MOH-accredited severe disability assessor.

The assessment costs $100 for a clinic assessment and $250 for a house call, both of which are payable to the assessor at the time of assessment. The full fee will be reimbursed if you are assessed to be unable to carry out three or more activities of daily living (ADL), and will be reimbursed with the first payout.

Log in to AIC’s e-Service portal (eFASS) with your Singpass to submit a claim.