ElderShield FAQ


What is ElderShield and the benefits?

ElderShield is a severe disability insurance scheme. It aims to provide basic financial protection against the costs associated with care and recovery following a severe disability. In the event that the Insured is severely disabled, and upon completion of the deferment period1,

ElderShield provides a monthly cash payout of $400 for a maximum of 72 months. It helps to pay any out-of-pocket expenses incurred and relieve some financial burden the Insured may have. It can be used to pay for suitable care either at home or at a hospital or other care centre. You can also receive the payment for subsequent severe disabilities, as long as the total payout term does not exceed 72 months.

Refers to ninety days (90) after the Claim Date (Inclusive).

Who is eligible to join ElderShield?

Any CPF members, including Singaporeans and Permanent Residents, are automatically covered by ElderShield at the age of 40. The enrollment process is automatic, with no application or medical assessment required. For eligible residents below age 65, or anyone who has previously declined the coverage, can make a new application by completing and returning the Application form. Please note that for these new applications, applicants are subject to medical assessment.

What does "severely disabled" mean?

ElderShield classifies a person as severely disabled when they are unable to perform at least 3 out of 6 of the following tasks consistently, even with the use of special equipment or 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, takes 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.

Can I join ElderShield if I have a Pre-existing Disability?

Pre-existing Disability means suffering from severe disability (defined as the inability to perform at least 3 of the 6 Activities of Daily Living) before your ElderShield Policy Commencement Date. For persons who are auto-covered, severe disability caused solely by accidents that occur during the 90-day opt-out period shall not be regarded as Pre-existing Disability.

As with any insurance plan, a person with Pre-existing Disability may not be eligible for insurance coverage. If you have Pre-existing Disability, please fill in the Health Declaration Form so that the premium will not be deducted from your Medisave Account.


How do I make a claim?

To make a claim, complete the Claim Form and have your disability condition evaluated by an Appointed Assessor. The assessor will complete the Assessor's Statement and return it to Aviva for processing. Once you are certified as disabled and the 90-day deferment period has passed, you will receive your insurance payout via cheque or direct credit into your bank account. A current copy of the Claim Form and a list of Appointed Assessors are available from our website.

Refers to ninety days (90) after the Claim Date (Inclusive).

Why do I need to wait for 90 days after lodgment of my claim before I could get my payouts if I become severely disabled?

ElderShield payouts commence once the certification is complete and the 90-day 'deferment period' has ended. The deferment period ensures that ElderShield funds are used to cover some of the long term nursing and care costs resulting from disabling illness or injury. Without this period, ElderShield insurers would have to cover costs for temporary or non-severe disabilities, driving up premium prices for all policy holders.

Do I have to bear the cost of assessment?

If your claim for severe disability insurance is successful, Aviva will reimburse the full cost of your assessment. If your claim is denied, you will be responsible for the cost of the assessment.

Appointed Assessors charge $100* per assessment at their premises. If you require an in-home visit from an assessor, the fee will be $250* instead.

*The revised assessment fees are effective from 31 Jan 2020.

Can I see my own doctor or specialist to be assessed?

You can only use your own doctor if they are already on the Panel of Appointed Assessors. The purpose of having the panel of Appointed Assessors to conduct the assessments is to minimize inappropriate claims and ensure consistency in the claims assessment. You are always encouraged to bring any relevant medical records for your disability assessment.

1 Refers to ninety days (90) after the Claim Date (Inclusive).

What can I do if I disagree with the claims assessment of the insurer?

If you disagree with your assessment results, you can request to be assessed again by a specialist. As with the first assessment, Aviva will only reimburse assessment fees if your claim of disability is successful. These assessments cost $100* when conducted at the specialist's office or $250* if performed at your home.

If the specialist assesses you and determines you are still ineligible for disability coverage, you can submit an Appeal to the Ministry of Health's ElderShield Arbitration Panel. The panel may appoint a geriatrician or other qualified practitioner to conduct a reassessment. The decision of the Arbitration Panel shall be final and binding on both you and Aviva. As with the other assessments, Aviva will only reimburse assessment fees if your claim of disability is successful.

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 wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying a life insurance policy is a long-term commitment and an early termination of the policy usually involves high costs. 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 the time of publishing.

*The revised assessment fees are effective from 31 January 2020.