From September 2002 to December 2019, all Singapore Citizens and Permanent Residents with MediSave Accounts were automatically enrolled in ElderShield at the age of 40, unless they opted out of the scheme.

From 2020 onwards, there will be no new auto-enrolments onto ElderShield, instead, eligible Singapore Citizens and Permanent Residents born in 1980 or later will be auto-enrolled onto CareShield Life. You can find out more about CareShield Life here or make a CareShield Life claim here.

Those born on or before 30 September 1932, or born between 1 October 1932 and 30 September 1962 and had pre-existing disabilities as of 30 September 2002 were not able to join ElderShield in 2002. Instead, they may be eligible for assistance under the Interim Disability Assistance Programme for the Elderly (IDAPE) here.

From 1 November 2021, the Government has taken over the administration of ElderShield from the three MOH-appointed private insurers: Singlife (formerly known as Aviva), Great Eastern, and NTUC Income. The Government will work with the Central Provident Fund Board and AIC to operationalise and administer ElderShield. Claims servicing will be handled by AIC.

You can click here for more information on the ElderShield scheme.