Severe Disability Insurance Claim

We understand this is a difficult time and want to ensure your claims process will be seamless.

If you're unable to perform 3 or more Activities of Daily Living (Washing, Dressing, Feeding, Toileting, Transferring and Mobility/Walking or Moving Around), please call our appointed partner – Homage at 6100 0055 – for financial counselling, and guidance on the claims process and getting a severe disability assessment.

Alternatively, if you prefer to handle your claim submission on your own, follow the 3 simple steps below.

Read these important notes before you begin

The Claim Form and panel of Appointed Assessors for your ElderShield and CareShield Life Supplement plans are the same. You only need to complete a single claim form even if you have multiple long-term care plans with us.

If you are currently unable to perform Activities of Daily Living (Washing, Dressing, Feeding, Toileting, Transferring and Mobility/Walking or Moving Around), please follow these 3 simple steps to make a claim:

Step 1: Download claim forms

Step 2: Make an appointment

Setp 3: Visit your Appointed Assessor

Please submit the necessary documents for your claim:

a) Severe Disability Claim Form to be completed by Assured (Policyholder)/Caregiver

b) Letter of Undertaking and Indemnity to be completed (applicable for Third Party Payee or Homes/Institutions only)

c) Copy of all diagnostic reports, including resting ECGs, exercise stress test, troponin results, enzymes assays, isotope studies imaging coronary angiography, blood tests, ultrasound, biopsy, histopathology report, CT scans, other imaging studies, laboratory tests results, detailed Inpatient Discharge Summary and any relevant hospital reports that are available

d) Copy of Identity Card or Passport of the Life Assured/Insured Person

e) Copy of Identity Card or Passport of the Caregiver

f) Copy of Identity Card or Passport of the Payee

g) Copy of Birth Certificate/Legal adoption paper of the child (applicable for Dependant Care Benefit only)

h) Copy of bank passbook/statement or e-statement with full name and account number clearly indicated on the same page. All other information may be blanked out (applicable for Homes/Institutions only)

Mode of Payment

For better payment experience, SGD payments to the Payee will be credited to the bank account linked to the Payee’s PayNowNRIC/FIN. Please check that you have registered for PayNow with your bank, using your NRIC/FIN.

Download claim forms

Forms to be completed by Life Assured

Severe Disability Claim Form

Make an appointment

Make an appointment with an Appointed Assessor for severe disability assessment.

You may find the complete list of Appointed Assessors here.

Visit your Appointed Assessor

Bring along the completed Claim Form and the assessor will submit the documents to your insurer for processing.

For severe disability assessment, you may need to:

Pay S$100* if the assessment is done at the assessor's clinic
Pay S$250* if a house call is required
Bring any available medical records and/or Inpatient Discharge Summary that you have
Bring your medicine (if any)

*The revised assessment fees are effective from 31 January 2020.

Submit your claim through your preferred channel