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Make a CareShield or ElderShield claim

If you wish to make a claim, simply follow these steps:

Step 1: Download these documents

  1. Claimant's Statement  & Letter of Undertaking and Indemnity
    The Claimant's Statement provide us more details in understanding your condition. The Letter of Undertaking and Indemnity provides us with consent to release the benefit payment(s) to a 3rd party (Family member(s) / Caregiver).  To do so, please also provide:

    (a) A copy of the NRIC / Passport of the Policyholder; and
    (b) A copy of the NRIC / Passport of the Family member(s) / Caregiver
  2. Clinical Abstract Application
    This form provides us with your consent to attain your medical information from  the hospital on your behalf.

Step 2: Book an appointment with an appointed Assessor

  • You will need to be assessed by one of our appointed Assessors on your severe disability to attain the Assessor's Statement. Please call to book a clinic appointment or a house call.

  • On the appointment day, bring along your completed documents (as downloaded above), and any available medical reports or discharge summary. Do note that there will be a $100 for a clinic-based assessment or $250 for non-clinic based assessment. 
     
  • The Assessor's Statement and all your documents will be sent to Great Eastern directly. 

    Once we receive the documents, we will proceed to process the claim. 

How to check your claim status

View our FAQs for ElderShield  / ElderShield Supplement / Great CareShield Claims.

For General Insurance claims, visit our General Insurance claims page.

Frequently asked questions

Disability refers to the inability of the Life Assured as certified in an Assessor's Statement, to perform the number of the 6  Activities of Daily Living (ADLs) as specific in the contract. This means requiring significant assistance from another person throughout the entire activity.

The 6 Activities of Daily Living are:

(a) Washing
The ability to wash in the bath of shower (including getting into and out of the bath of shower) or wash by other means.

(b) 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.

(c) Feeding
The ability to feed oneself food after it has been prepared and made available.

(d) Toileting
The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.

(e) Walking or moving around
The ability to move indoors from room to room on level surfaces.

(f) Transferring
The ability to move from a bed to an upright chair or wheelchair, and vice versa.

You are only able to use your own doctor for the assessment if they are already on the list of MOH Accredited Assessors (PDF) for Severe Disability Schemes.

Should you recover from your disability, you will have to resume paying the premiums to continue your coverage. However, if you have exceeded the premium payment age (chosen by you when you first purchased the policy) when you have fully recovered from your disability, no more premium payments will be required and you will continue to enjoy coverage under the policy.

You will receive the monthly payout for as long as you are unable to perform the applicable number of ADLs.

You will receive the payouts as you have indicated in your claim form. You are encourage to choose PayNow or Direct Credit into your bank account for greater convenience.

All payouts will be made to the Policyholder. However, we will consider your request on a case by case basis.

You are required to continue paying the premiums to keep the policy inforce until the admission of the claim. Subsequently, any premiums paid after the Deferment Period will be refunded.

You would be required to obtain the Claim Form from the insurer’s website, or contact the insurer’s Customer Service Centre to request for a copy to be mailed to you.

You will then have to submit the completed statement, together with any available medical reports (from registered practitioners in Western medicine), and provide the name, address and clinic of the doctor certifying your medical condition.

Upon receipt of the information, the insurer will send the Assessor’s Statement to the doctor, who will assess the severity of your disability and send the completed statement back to the insurer. The insurer will assess the claim and, where necessary, request your disability to be assessed by a specialist in your country of residence, to be appointed by the insurer.

For claims made from overseas, the insurer shall make every reasonable effort to assess the disability and make claim payments. Under these circumstances, the insurer may commute the benefit payments to a single payment reflecting the present value of future benefit payments.

You may make arrangement with the panel assessors located nearest to your house or institution for a house call. For disability assessment, applicant will need to pay $100 for a clinic-based assessment or $250 for non-clinic based assessment with effect from 31 Jan 2020.

Yes, you would need to go for another medical assessment.

Yes, you will be be fully reimburse for the fees upon admission of the claim.

Yes, assessors will be guided more explicitly on the aspects to take into consideration if an insured is suspected to be cognitively impaired.

Not all GPs would have undergone the rigorous training programme to learn how to assess disability. You would still required to undergo disability assessment which performed by an accredited assessor. If you are staying in a nursing home, you may approach your nursing home for assistance to submit the Resident Assessment Form in place of the severe disability assessment.

Yes, you may be required to go to our panel assessor for periodic examination. We shall keep you informed when such requirements arise.

Yes, there will be charges for reviews. However, the insurer shall bear the charges for the reviews.

You may make an arrangement for a house call assessment. Do note that the cost of a clinic-based assessment is $100 and house call assessment is $250.

If you are residing in a nursing home, your nursing home can help to submit a Resident’s Assessment Form instead of the disability assessment. Please approach your nursing home for more assistance.

No. If we have assessed during the periodic review that your disability has worsened to the inability to perform 2 or more ADLs, the monthly payout from your plan will start after the Deferment Period.

Great Careshield

Yes.

No, you will only be required to complete a single claim form and assessment for your both policies.

The monthly payout that you will receive depends on your chosen monthly benefit when you had purchased the policy and whether you had purchased GREAT CareShield Advantage or GREAT CareShield Enhanced.

For GREAT CareShield Advantage, if you are still unable to perform 2 or more ADLs after the Deferment Period, you will receive 100% of your chosen monthly benefit amount for as long as you are unable to perform 2 or more ADLs.

Eldershield

Severely disabled individuals who wish to apply Eldershield will need to undergo a severe disability assessment by a MOH-accredited severe disability assessor. We have expanded the list of accredited assessors to include therapists and nurses who have been trained to assess whether the applicant meet Eldershield criteria of being unable to perform three or more of the six Activities of Daily Living (ADLs). For individuals who are staing in nursing home, can submit the Resident Assessment (RAF) for our assessment of the claim.