ElderShield is a severe disability insurance scheme designed to provide basic financial protection against the costs associated with care and recovery following a severe disability. This coverage is offered to both Singaporeans and Permanent Residents.

ElderShield provides a monthly cash payout of $400 for a maximum of 72 months to help pay the out-of-pocket expenses for the care of the severely disabled person.

Any CPF member, 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.

Eligible residents below age 65, or anyone who has previously declined the coverage, can complete and return the Application form to make a new application for coverage. These new applications are subject to medical assessment.

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

Washing

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

Dressing

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.

Feeding

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

Toileting

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

Mobility

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

Transferring

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

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.

Upon becoming severely disabled, and upon completion of the deferment period¹, you will receive a monthly cash payout of $400. These payments continue for up to 72 months, and can be used to help 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 doesn't exceed 72 months.

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

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 period¹ 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.

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

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.

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 $25 per assessment. If you require an in-home visit from an Assessor, an additional fee of $75 will be required.

(Note: The fees quoted above are subject to future revisions.)

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.

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 $75 when conducted at the specialist's office or $150 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.

ElderShield Supplements expand the basic coverage of your ElderShield policy with additional coverage and benefits for an additional premium. This allows you to customise a policy that best meets your own personal coverage needs. MyCare which is Aviva's ElderShield Supplement allows you to choose your:

Monthly Benefit Payout- choose your preferred monthly payout (inclusive of ElderShield benefit) from a minimum of $600 to a maximum of $3,500 (in increments of $100).

Benefit Payout Duration - choose between a fixed 12 year duration or unlimited lifetime payout.

Payment Term - choose between paying until age 67 (next birthday, with a minimum term of 20 years) or ongoing.

These options, combined with the additional coverage provided, make MyCare the smart choice for anybody who wants to make sure their specific needs and wants are covered now and in the future.

If you're concerned that the basic protection offered by your ElderShield protection might not fully protect you in the event of a severe disability, MyCare/MyCare Plus offers additional benefits and peace of mind that can go a long way when facing the unexpected.

The care and recovery costs associated with a severe disability will only add to your worries and concerns. MyCare can pay up to $2000 a month (inclusive of the basic ElderShield payout) for a longer duration of time. The unlimited payout option means that as long as you are disabled, the payout under MyCare policy will continue. Combine the rising costs of care and the longer life spans of Singaporeans and you can see how important an ElderShield supplement can be.

To help ensure all Singaporeans receive the most basic level of protection from the costs associated with severe disability, you must first be an ElderShield policyholder before adding an ElderShield supplement. Your initial ElderShield plan can be with any insurer.

As with your regular ElderShield coverage, premiums are determined at the age of entry. Since these premiums do not increase with age, you can enjoy higher MyCare/MyCare Plus benefits at a lower premium.

No. As long as you have an in-force ElderShield policy, you can purchase MyCare.

To help ensure all Singaporeans receive the most basic level of protection from the costs associated with severe disability, you must first be an ElderShield policyholder before adding an ElderShield supplement. This means that if your basic ElderShield policy is terminated, your MyCare coverage will terminate as well.

Your MyCare policy will continue to provide severe disability benefits for life (or up to 144 months of benefit payout duration), even if your basic ElderShield benefits have been fully paid.

MyCare provides a monthly severe disability payout. Other benefits include:

• Lump sum benefit
• Rehabilitation benefit
• Dependant care benefit
• Death benefit

All benefits are payable in cash and is tax-free.

The monthly benefit is payable when the Life Assured is certified as severely disabled and unable to perform at least three of the 6 Activities of Daily Living. Once the 90-day deferment period is complete, benefit payout begins.

You can set the length of your severe disability benefit payout term to be either:

• Lifetime or
• Up to 12 years (144 months)

The benefit continues to be payable as long as your disability lasts, up to the chosen benefit payout duration.

The lump sum is payable when the Life Assured is certified as severely disabled and unable to perform at least 3 of the 6 Activities of Daily Living. This additional benefit is equal to 3 times the first monthly payout amount and is paid only once in the policy lifetime.

Once the 90-day deferment period is complete, both the lump sum and regular benefit payout begins.

The monthly rehabilitation benefit for MyCare is payable when the Life Assured recovers from a severe disability but is still unable to perform 2 of the 6 Activities of Daily Living. This benefit is 50% of the last paid monthly Severe Disability Benefit.

The additional monthly Dependant Care benefit is payable when the Life Assured is receiving a severe disability or rehabilitation benefit and has a child under the age of 21. This additional benefit is $200 per month payable for up to 36 months.

Once the 90-day deferment period is complete, the benefit payout begins.

The death benefit is payable in the event of the death of the Life Assured while the Life Assured is receiving a severe disability or rehabilitation benefit. This benefit is 3 times the last paid monthly severe disability or rehabilitation benefit.

You can use your Medisave to pay for the premiums of MyCare/MyCare Plus, with a yearly (calendar year) limit of $600 per insured person. You can also use a Medisave account belonging to your spouse, parents, children, or grandchildren to pay for the premiums of MyCare/MyCare Plus. the premium payment mode can also be via cheque or GIRO direct payment. Any premiums in excess of $600 must be paid by cheque or GIRO.

You can set the length of your premium payment term to be either:

• up to age 67 (next birthday), subject to a minimum premium term of 20 years, or
• ongoing

• If you become severely disabled, your MyCare/MyCare Plus policy payouts begin after the deferment period and your subsequent premiums will be waived.
• If you recover from your severe disability, severe disability benefit payouts will stop and premium payments must resume if you have not fulfilled your minimum premium payment term.
• If you have finished paying all required premiums under the limited premium payment term option, no additional premium payment is necessary. You will still continue to enjoy lifetime coverage.

In the event there are insufficient value accumulated, the policy will lapse and the cover will cease.

This is applicable to both limited premium payment term and lifetime premium term policies.

To make a claim, complete the Claim Form and have your condition assessed by an Appointed Assessor. They will complete the Assessor's Statement and return it (along with your Claim Form) to your basic ElderShield insurer for processing.

If Aviva is not your basic ElderShield insurer, your basic policy insurer will provide us the Claim Form, Assessor's Statement, and any other documents that are relevant to your claim. Alternatively, you can also inform Aviva regarding your claim, and we will assist you with processing the necessary.

You may receive your insurance payout either by cheque or direct credit into your bank account 90 days after the claim date and having been certified by an Appointed Assessor as severely disabled.

You only need to complete the Claim Form once, since the form and panel of Appointed Assessors are identical for both your basic ElderShield and MyCare Supplement.

No, you only need to complete a single claim form and assessment. As long as you meet all the claim eligibility requirements and policy contract terms, benefit payments will be made under both policies.

The assessor will complete the Assessor's Statement and return it along with the Claim Form to Aviva for processing. You should indicate, at the top of the Claim Form, that both policies are from Aviva. Documents such as medical records or a discharge summary only need to be submitted once, and the claims on both your policies will be processed together.

A current copy of the Claim Form and a list of Appointed Assessors are available from our website.

The assessor will complete the Assessor's Statement and return it along with the Claim form to your basic ElderShield insurer for processing. You should indicate, at the top of the Claim Form, that both policies are from different insurers. Documents such as medical records or a discharge summary only need to be submitted once. Your basic ElderShield insurer will work with your Supplement insurer to process the claims.

If you have a MyCare/MyCare Plus policy but your basic ElderShield is not insured by Aviva, you can facilitate the claim process by informing us in writing of your claim at:

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

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 $25 per assessment. If you require an in-home visit from an assessor, an additional fee of $75 will be required.

You can only use your own doctor if they are already on Aviva's 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 to your disability assessment.

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 $75 when conducted at the specialist's office or $150 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.