ElderShield Supplements provide optional additional coverage, on top of the ElderShield product at additional premiums. Premiums for ElderShield Supplements are payable from Medisave subject to a limit of $600 per year per person insured.

These plans are not compulsory and policyholders can choose to purchase ElderShield Supplements from any of the approved ElderShield insurers.

To ensure that Singaporeans have at least a basic severe disability plan, a policyholder purchasing an ElderShield Supplement must first be covered under an ElderShield policy.

The 3 ElderShield insurers also offer ElderShield Supplements: Aviva Ltd, Great Eastern Life Assurance Co Ltd, and NTUC Income Insurance Cooperative Ltd.

You can use your Medisave to pay for the premiums of your ElderShield Supplement, up to a limit of $600 per year per insured person.  If you do not have enough Medisave savings, you may also use the Medisave Accounts of your spouse, parents, children or grandchildren. You may also pay by cash.

The Medisave withdrawal limit for ElderShield Supplement premiums is to prevent a premature depletion of Medisave funds so that Singaporeans will have enough Medisave to pay for medical expenses during old age. 

ElderShield and ElderShield Supplement policies are structured as standalone plans.  So long as you fulfil the respective claims eligibility criteria, you can claim under both policies.