MyCare and MyCare Plus

Our supplement for ElderShield

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Our supplement for ElderShield

Enhance your disability insurance for higher payouts.

Customise monthly payouts

Get monthly cash from S$600 to S$5,000, depending on your chosen premium.

Customise monthly payout duration

You decide how long you wish to receive the disability income - 12 years or unlimited lifetime payout.

Pay premiums via Medisave

You can pay premiums using your Medisave fund of up to S$600 per calendar year per Life Assured1.

You can't put a time limit on how long recovery takes

It's hard when your disability payout stops before you're well and ready.

Key Benefits ElderShield MyCare MyCare Plus
Requirements for Benefits Payout Inability to perform at least 3 out of 6 "activities of daily living (ADL)" such as washing, toileting, dressing, mobility, feeding and transferring (say from bed to wheelchair) Inability to perform at least 2 out of 6 ADL
Benefit Payout Duration Up to 6 years (72 months) Lifetime payout or up to 12 years (144 months)
Premium Term Pay up to the policy anniversary after your 65th birthday (66 age next birthday) (i) Lifetime;
(ii) Pay up to the policy anniversary after your 65th birthday (66 age next birthday), or for 20 years, whichever is later.
Monthly Severe Disability Benefit Up to S$400 S$600 to S$5,000 (in increments of S$100), including ElderShield benefit
Lump Sum Benefit  Nil Additional 3 times of your first monthly income
Rehabilitation Benefit Nil 50% of your monthly Severe Disability Benefit for the remaining Benefit Payout Duration Nil
Dependant Care Benefit Nil Additional S$200 per month up to 36 months if you have a child aged 21 years and below at point of claim
Death Benefit Nil Additional 3 times of your last drawn monthly Severe Disability Benefit
Waiting Period 90 days.
Waived for accidental causes and insureds under the auto- coverage arrangement
Nil 90 days.
Waived for accidental causes and/or inability to perform 3 or more ADL.
Deferment Period 90 days

S$100 off first year's premium

MyCare and MyCare Plus now come with S$100 off your first year's premium! Terms and Conditions apply.

Find out more

Terms and Conditions

Important notes regarding Additional Premium Support (APS) Policy

Related articles

Take a look at our latest articles

About Eldershield

Information on how 'severe disability' is defined and what Eldershield covers.

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A special health and wellness discount programme available exclusively to MyCare & MyCare Plus policyholders.

About MyCare and MyCare Plus

Find out how MyCare improves your ElderShield benefits.

Upgrade your Eldershield

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Important notes:

1 Premiums exceeding the S$600 Medisave deduction limit will have to be paid in cash. If there are insufficient funds in the Medisave account, cash payment will be required for the difference.

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 copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor's offices. You should read the Product Summary before deciding whether to purchase the product. 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 an accident and/or health insurance policy that is not suitable for you may impact your ability to finance your future healthcare needs. It is usually detrimental to replace an existing accident and health policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

Information last updated December 2019.

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 Singapore Deposit Insurance Corporation (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 Aviva Ltd or visit the Life Insurance Association Singapore or SDIC websites ( or