Long-term care insurance

Upgrade your ElderShield

The government will be taking over the administration of ElderShield nearer to end-2021. Please click here for more information.

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


Provides a monthly cash payout

Eldershield provides a monthly cash payout of up to S$400, for a period of up to 72 months.

Lifetime coverage with choice of Benefit Payment Period

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 on top of your Monthly Benefit payouts upon your first claim. 

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.


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 till 66 age next birthday
Monthly Severe Disability Benefit 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

The policy is underwritten by Aviva 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. A product summary in relation to MyCare/ MyCarePlus is available and may be obtained from Aviva Ltd 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. Company Registration No.: 196900499K

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