A health insurance plan designed to complement Basic Eldershield that provides long-term coverage against severe disability.

Please note that only ElderShield policyholders may apply for this plan.

What it covers

Severe disability

If you are incapable of performing at least three activities of daily living [1], we pay a monthly disability benefit for life, less any payment under your Basic ElderShield plan. We also give you a one-time lump sum benefit which is equal to three times your monthly disability benefit.

Dependant care benefit

If your child is under 21 years old and you become severely disabled, we pay an additional 25% of the monthly disability benefit for up to 36 months in your lifetime.

Get-well benefit [2]

You will receive a one-time payout equivalent to three times your monthly disability benefit if you recover from the severe disability.

Death during severe disability [2]

We give a one-time payout equivalent to three times your monthly disability benefit in the event of death while receiving the monthly disability benefit under this policy.


We guarantee the monthly disability benefit for life, as long as you are severely disabled.

You can use up to $600 from your Medisave account (per insured person per year) to pay for your premiums.

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Before you apply

You must be:

  • Singaporean or Singapore Permanent Resident
  • Aged between 40 and 64 years (age last birthday)
  • An existing Basic ElderShield policyholder

View Basic PrimeShield 300 premium rates
View Basic PrimeShield 400 premium rates

Premiums rates are non-guaranteed and may be reviewed from time to time.
Premium rates are inclusive of GST.
The premiums that you pay are based on entry age. Entry age refers to the age as at your last birthday that you apply for PrimeShield.

You need to make payment every year. The payment period will depend on when your plan starts.

Entry age (last birthday) Premium payment period
40 – 46 Until age 65 (age last birthday, inclusive)
47 – 64 20 years
Important Notes


  1. Activities of Daily Living are washing, dressing, feeding, toileting, mobility and transferring.
  2. You will only receive either the get-well benefit or the death benefit. This is a one-time lump sum benefit payable per lifetime.



There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important notes


This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. If you find that this plan is not suitable after purchasing it, you may terminate it within the free-look period, and obtain a refund of premiums paid.

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 Income or visit the websites of the General Insurance Association of Singapore (, the Life Insurance Association, Singapore ( or Singapore Deposit Insurance Corporation (

Information is correct as of 21 July 2017

Frequently asked questions

How to apply

For enquiries about health insurance, please call our hotline:
6332 1133

Speak to your Income adviser, or use our online matching tool to find an adviser who’s right for you.

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