- Washing – The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.
- Dressing – The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.
- Feeding – The ability to feed oneself food after it has been prepared and made available.
- Toileting – The ability to use lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.
- Mobility – The ability to move indoors from room to room on level surfaces.
- Transferring – The ability to move from a bed to an upright chair or wheelchair, and vice versa.
NTUC ElderShield – PrimeShield Claim Condition
- Unable to perform 3 out of 6 activities of daily living
NTUC ElderShield enhancements offer lifetime coverage, and the benefit payout duration is lifetime. There is a 90 deferment period in which the benefit will be paid out 90 days after the disability. The premium can be paid by cash or MediSave (up to $600/year). The insurance premium is waived in the event of a claim.
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Pros of NTUC ElderShield Enhancement
- Limited payment between 20 to 25 years depending on age upon application
Cons of NTUC ElderShield Enhancement
- Lower coverage with the same premium compared to other insurer’s insurance plan.
- The insured must be unable to perform a minimum 3 (Not 2) activities of daily living for the claim to be approved
To find out more about the Pros & Cons of NTUC ElderShield.
To evaluate if NTUC ElderShield is suitable for your needs.
Fill up the form below for a discussion on ElderShield upgrade
Besides NTUC ElderShield upgrade, you may also want to read about a similar ElderShield upgrade from Aviva here