不是当65岁前才賠， 是65歲之前不要再付款， 但保終身

Eldershield 不是当65岁前才賠， 是65歲之前不要再付款， 但保終身, 如果你有充足的medisave，建議你保留並提升， 以你現在的年齡可以提升到每個月1600元賠款，終身. 如果之後提升就沒法去這麼高的賠款. 每年的保費一樣， 需要詳細說明， 可以和我聯繫，我是Aviva保險理財顧問.

對了， 補充一點， 12月31號之前提升， 第一年保費有100元折扣， 前提是身體健康

Q How long will a member be covered under ElderShield?
A
ElderShield provides lifetime coverage to its members. Once an ElderShield policyholder starts paying premiums, he would be insured under ElderShield. A policyholder will be covered under ElderShield for the rest of his life when he finishes paying all the premiums (i.e. at age 65) under the Regular Premium Plan or a lump sum premium under the Single Premium Plan. For example, he can still submit a claim if he becomes disabled at age 85, so long as his total claims have not exceeded 60 months.

After ElderShield Reform, all new members who are issued an ElderShield cover on or after 30 September 2007 enjoy the new increase in benefits to $400 for a maximum of 72 months. Existing ElderShield members who are insured under the $300 cash benefit, can choose to switch to the poli

個人建議— 是否有必要提升或保留， 取決於每個人的保險觀念和已經有的保險覆蓋， 最好是review 你的保單， 看有沒有這種long term care monthly payout . 如果medisave 有足購多的錢， 不妨提升. 畢竟對保險意識比較重視的大多數人有了lump sum pay , monthly pay 可以防止大額現金被快速消費.

可以， 64 歲之前都可以加入，但是需要根據當時的健康狀況