不需要升級也是lifetime喔。請看網站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