Singlife ElderShield Standard FAQ

No, you only need to complete a single claim form and assessment. As long as you meet all the claim eligibility requirements and policy contract terms, benefit payments will be made under both policies.
 

The assessor will complete the Assessor's Statement and return it along with the Claim Form to Singlife for processing. You should indicate, at the top of the Claim Form, that both policies are from Singlife. Documents such as medical records or a discharge summary only need to be submitted once, and the claims on both your policies will be processed together.

A current copy of the Claim Form and a list of Appointed Assessors are available from our website.
 

The assessor will complete the Assessor's Statement and return it along with the Claim form to your basic ElderShield insurer for processing. You should indicate, at the top of the Claim Form, that both policies are from different insurers. Documents such as medical records or a discharge summary only need to be submitted once. Your basic ElderShield insurer will work with your Supplement insurer to process the claims.

If you have a Singlife ElderShield Standard or Plus policy but your basic ElderShield is not insured by us, you can facilitate the claim process by informing us in writing of your claim at:

Shenton Way SGX Centre 2 #01-01
Singapore 068807
 

Singlife ElderShield Standard payouts commence once the certification is complete and the 90 day 'deferment period' has ended. The deferment period ensures that Singlife ElderShield Standard policy payouts are used to cover long term nursing and care costs resulting from disabling illness or injury. Without this period, ElderShield Supplement Insurers would have to cover costs for temporary or non-severe disabilities, driving up premium prices for all policy holders.
 

If your claim for severe disability insurance is successful, Singlife will reimburse the full cost of your assessment. If your claim is denied, you will be responsible for the cost of the assessment.

Appointed Assessors charge $100* per assessment at their premises. If you require an in-home visit from an assessor, the fee will be $250* instead.

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

You can only use your own doctor if they are already on Singlife's Panel of Appointed Assessors. The purpose of having the panel of Appointed Assessors to conduct the assessments is to minimize inappropriate claims and ensure consistency in the claims assessment. You are always encouraged to bring any relevant medical records to your disability assessment.

If you disagree with your assessment results, you can request to be assessed again by a specialist. As with the first assessment, Singlife will only reimburse assessment fees if your claim of disability is successful. These assessments cost $100* when conducted at the specialist's office or $250* if performed at your home.

If the specialist assesses you and determines you are still ineligible for disability coverage, you can submit an Appeal to the Ministry of Health's ElderShield Arbitration Panel. The panel may appoint a geriatrician or other qualified practitioner to conduct a reassessment. The decision of the Arbitration Panel shall be final and binding on both you and Singlife. As with the other assessments, Singlife will only reimburse assessment fees if your claim of disability is successful.

This is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying a life insurance policy is a long-term commitment and an early termination of the policy usually involves high costs. This is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract. Information is correct at the time of publishing.

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