If you were born in 1980 or later, you will be covered by CareShield Life upon the scheme launch date on 1 October 2020. ElderShield will not be applicable for you.

If you were born in 1979 or earlier, you can choose to either remain on ElderShield or upgrade to CareShield Life when the scheme is available for application from end-2021 onwards . You will not be able to be on both CareShield Life and ElderShield.

The ElderShield scheme has been closed to new applications after CareShield Life is progressively launched for those born in 1979 or earlier from end-2021 onwards.

If you wish to have additional coverage beyond that provided by CareShield Life, you can purchase Supplement plans from the private insurers.