Eldershield Comprehensive

Greater protection for added peace of mind

Why you will love this

Supplements basic ElderShield with higher benefits, while stretching your coverage up to a lifetime

Who can apply

Singaporean or Singapore PR between 40 and 64 years old (age last birthday) with existing basic ElderShield

Be well-protected against high medical treatment and long-term care costs with ElderShield Comprehensive.

Features and Benefits
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Earlier Monthly Benefit

Basic ElderShield
Monthly Benefits commences upon your inability to perform at least 3 out of 6 Activities of Daily Living (ADLs).

ElderShield Comprehensive 2 ADLs
Monthly Benefits commences upon your inability to perform at least 2 out of 6 Activities of Daily Living (ADLs).

Basic ElderShield
Monthly Benefits commences upon your inability to perform at least 3 out of 6 Activities of Daily Living (ADLs).

ElderShield Comprehensive 2 ADLs
Monthly Benefits commences upon your inability to perform at least 2 out of 6 Activities of Daily Living (ADLs).

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Higher Monthly Benefit

With ElderShield Comprehensive, you can choose Monthly Benefit payouts of between S$300 to S$3,000 on top of your basic ElderShield.

With ElderShield Comprehensive, you can choose Monthly Benefit payouts of between S$300 to S$3,000 on top of your basic ElderShield.

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Coverage up to a lifetime

Ensure peace of mind with Monthly Benefit payouts that continue as long as you suffer from severe disability. You can choose the plan type to receive the Monthly Benefit for up to 10 years or up to a lifetime.

Ensure peace of mind with Monthly Benefit payouts that continue as long as you suffer from severe disability. You can choose the plan type to receive the Monthly Benefit for up to 10 years or up to a lifetime.

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Lump sum Initial Benefit

Upon your first claim, receive a lump sum Initial Benefit with your Monthly Benefit payouts, payable after 90 days. The Initial Benefit is equivalent to three times the Monthly Benefit.

Upon your first claim, receive a lump sum Initial Benefit with your Monthly Benefit payouts, payable after 90 days. The Initial Benefit is equivalent to three times the Monthly Benefit.

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Lump sum Death Benefit

In the event of death, receive a lump sum benefit on top of your Monthly Benefit payouts. The lump sum benefit is equivalent to three times the Monthly Benefit, thus helping with final expenses.

In the event of death, receive a lump sum benefit on top of your Monthly Benefit payouts. The lump sum benefit is equivalent to three times the Monthly Benefit, thus helping with final expenses.

Terms to know

What are Activities of Daily Living (ADLs)?

How it works

How you can benefit from ElderShield Comprehensive 2 ADLs (Life)

We provide you with Monthly Benefit payouts from as early as when you cannot perform 2 ADLs. Illustrations shown below are based on S$2,000 Monthly Benefit from ElderShield Comprehensive 2 ADLs (Life).

Severe Disability: Unable to perform
2 ADLs

  • S$6,000 lump sum Initial Benefit upon first claim
  • S$6,000 lump sum Death Benefit
  • ElderShield Comprehensive 2 ADLs (Life) = S$2,000 Monthly Benefit payout for life
  • No payout from Basic ElderShield

Severe Disability: Unable to perform
3 ADLs or more

  • S$6,000 lump sum Initial Benefit upon first claim
  • S$6,000 lump sum Death Benefit
  • ElderShield Comprehensive 2 ADLs (Life) = S$2,000 Monthly Benefit payout for life
  • Basic ElderShield = S$400 a month, up to 6 years
Premium rates

Annual premium per S$100 Monthly Benefit

  • Comprehensive 2 ADLs
  • Comprehensive 3 ADLs
Entry age Comprehensive 2 ADLs Comprehensive 3 ADLs
10 years Life 10 years Life
40 63.50 69.90 55.90 61.50
41 66.10 72.70 58.30 64.20
42 68.70 75.60 60.70 66.80
43 71.50 78.70 63.30 69.70
44 74.60 82.00 66.10 72.80
45 77.80 85.50 69.00 75.90
46 81.20 89.30 72.20 79.50
47 84.90 93.40 75.50 83.10
48 88.90 97.70 79.10 87.10
49 93.10 102.50 82.90 91.20
50 97.80 107.50 87.00 95.70
51 102.80 113.00 91.40 100.60
52 108.20 119.00 96.10 105.80
53 114.10 125.50 101.20 111.40
54 120.50 132.50 106.70 117.40
55 127.50 140.30 112.60 123.90
56 135.30 148.80 119.10 131.10
57 143.80 158.20 126.10 138.80
58 153.30 168.70 133.80 147.20
59 164.00 180.40 142.20 156.50
60 175.80 193.40 151.40 166.60
61 189.30 208.20 161.50 177.70
62 204.60 225.00 172.80 190.10
63 222.20 244.40 185.30 203.90
64 242.70 266.90 199.30 219.30

See all rates

Note: All ages specified refer to age last birthday. Actual rates may differ due to rounding. Premium rates quoted are inclusive of 7% GST, not guaranteed and may be amended at policy renewal at the discretion of the company, after a notice period of 45 days is given. You may choose your desired Monthly Benefit (from a minimum of $300 to maximum of $3,000 and in multiples of $100), and calculate the corresponding premiums using the table above.
  • Comprehensive 2 ADLs
  • Comprehensive 3 ADLs
Entry age Comprehensive 2 ADLs Comprehensive 3 ADLs
10 years Life 10 years Life
40 83.10 91.40 70.80 77.90
41 86.30 95.00 73.80 81.20
42 89.90 98.80 76.90 84.60
43 93.50 102.90 80.20 88.30
44 97.40 107.20 83.80 92.20
45 101.60 111.70 87.50 96.30
46 106.10 116.70 91.50 100.70
47 110.80 121.90 95.70 105.30
48 115.90 127.50 100.20 110.30
49 121.40 133.60 105.10 115.70
50 127.40 140.10 110.20 121.30
51 133.70 147.10 115.80 127.40
52 140.70 154.70 121.70 133.90
53 148.20 163.00 128.10 141.00
54 156.40 172.00 135.00 148.50
55 165.30 181.80 142.50 156.80
56 175.10 192.60 150.60 165.70
57 185.90 204.40 159.30 175.30
58 197.80 217.60 169.00 185.90
59 211.10 232.20 179.50 197.50
60 225.90 248.50 191.10 210.30
61 242.60 266.90 204.00 224.40
62 261.90 288.10 218.20 240.10
63 281.10 312.50 234.00 257.40
64 309.90 340.90 251.90 277.10
Note: All ages specified refer to age last birthday. Actual rates may differ due to rounding. Premium rates quoted are inclusive of 7% GST, not guaranteed and may be amended at policy renewal at the discretion of the company, after a notice period of 45 days is given. You may choose your desired Monthly Benefit (from a minimum of $300 to maximum of $3,000 and in multiples of $100), and calculate the corresponding premiums using the table above.
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Enjoy affordable premiums

  • Pay lesser or zero cash top-up when you use your MediSave funds for your annual premiums (up to S$600 per calendar year)*
  • Enjoy level premiums that do not increase with age
  • Waive your premiums while receiving Monthly Benefit payouts
 

*The S$600 limit applies to ElderShield Supplements provided by Great Eastern Life like ElderShield ValuePlus, ElderShield Comprehensive, as well as other ElderShield Supplements plans with other insurers.

BEFORE YOU APPLY

Eligibility requirements

Age (last birthday)

40 to 64 years old

Citizenship

Singaporeans and Singapore PRs with existing basic ElderShield


Important notices


Policy Owners' Protection Scheme

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 us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

or contact us at +65 6722 2293

Operating hours are from 9am to 6pm, Monday to Friday (Excluding public holidays)