What is the definition of disability?
Disability shall mean the inability of the Policyholder
to perform at least 3 out of the 6 Activities of Daily Living
(ADL), even with the aid of special equipment and always
require the physical assistance of another person throughout
the entire activity.
Cases whereby substantial assistance is needed to do the
ADL will also be considered.
What are the 6 Activities of Daily Living?
The 6 Activities of Daily Living are washing, dressing,
feeding, toileting, mobility and transferring.
Does ElderShield cover worldwide?
What if I become disabled during the offer period?
The cover for ElderShield only commences from 30
September 2002. Hence, there will be no coverage under ElderShield
if the disability occurs before 30 September 2002.
However, you may be covered under IDAPE
should the disability definition is fulfilled and you meet
the income criteria.
Can I claim after I reach age 65 since I will no
longer be paying premiums?
The premium payment term of the policy is up to
age 65. However, the policy provides lifetime coverage.
Hence, you will still be eligible to claim under the policy
after you have stopped your premium payment at age 65.
Should I recover from my disability after a period
of time, will I have to continue paying the premiums?
Should you recover from your disability, benefit
payments will cease and you have to resume paying the premiums
to continue the coverage.
However, if you are pass the premium paying age, no more
premium payments will be required but you will continue
to be covered under the policy.
My parent is insured under ElderShield and he/she
has passed away, is there any claim payable or will there
be any refund of premiums?
The ElderShield policy covers disability. Hence,
no claim will be payable should death occurs. There will
also be no refund of premiums. The policy is automatically
terminated on the death of the policyholder.
How much is the monthly benefit?
The monthly benefit shall be S$300.
For how long will I receive the monthly benefit?
The benefit shall be payable up to a maximum of
60 months per lifetime. It shall cease immediately on the
earliest of the following dates:
||a. the date of recovery from Disability;
||b. the date of death of the Policyholder, or
||c. after 60 benefit payments have been made.
How will the monthly payments be made to me?
For your convenience, the payments can be directly
credited into your bank account specified in the Personal
Statement of the claim form. Alternatively, cheque payments
can be arranged.
Can the payments be made to my caregiver?
All payments will be made to the policyholder.
However, we will consider your request on a case- by-case
I am going overseas for my treatment, can you send
the monthly benefit to my overseas address?
Arrangement for bank drafts to be sent to your
overseas address or telegraphic transmission to your overseas
account can be made. However, any charges involved will
be deducted from the benefit payments.
Do I need to be confined to an institution before
I am entitled to the monthly benefit?
ElderShield payouts will be made in the form of
cash benefit and not tied to the reimbursement of institutional
care. Thus, it is not a requirement for you to be confined
to an institution for a benefit to be paid out.
With the treatment received, I can now perform the
ADLs, which I was unable to do, must I inform your company?
Yes, since the benefit is only payable when you
are not able to perform at least 3 ADLs, we will have to
review your case when there is an improvement in your condition.
Can I stop my premium payment once I file
for a claim?
You are required to continue paying the premiums
to keep the policy in force till the admission of the claim.
Subsequently, any premiums paid after the date of our panel
doctors assessment will be refunded.
I am disabled but I do not stay
in Singapore and am unable to go back. How should I file
You would be required to obtain the Personal Statement
(claim form) from the insurers' website, or contact the
insurers' Customer Service Centre to request for a copy
to be mailed to you.
You will then 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, appointed
by the insurer, in your country of residence.
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.
I am a housebound patient and cannot go to your
panel assessor for the medical assessment, can the assessor
come to my house or institution?
You may make arrangement with the panel assessor
located nearest to your house or institution for a house
Who is the panel assessor nearest to my house/institution?
The list is provided in the website under Panel
Assessor. The list is also attached
to the claim form for your easy reference.
Should I recover from my disability and subsequently
become disabled again, would I need to go for another medical
Yes, you would need to go for another medical assessment.
Will there be any reviews of my disability?
Yes, you may be required to go to our panel assessor
for periodic examination. We shall keep you informed when
such requirements arise.
Will there be any charges for the reviews? Who will
bear the charge?
Yes, there will be charges for reviews. However,
the insurer shall bear the charges for the reviews.
What should I do if you repudiate my claim and I
am not satisfied with your assessment?
You would have to write in an appeal for a review
of your case. On receipt of your appeal, we may require
you to make an appointment for your condition to be re-assessed
by our panel specialist.
Will there be any charges for the medical assessment
with your specialist? Who will bear the charges?
The charges for the specialist's assessment is
S$75 and an additional of S$75 for a house call. You will
have to first bear the charges for the assessment. Should
your appeal be successful, and we decide to admit your claim,
we will reimburse you the charges incurred.
Who can I go to if my appeal is unsuccessful and
I am still not satisfied with the outcome?
You would have to write to us to request for a
review by the Arbitration Panel appointed by the Ministry
of Health. We shall forward your request and records to
the Arbitration Panel for their consideration.
Subsequently, the Arbitration Panel may require you to go
for another medical assessment with a specialist appointed
by the panel. The charges for the assessment shall firstly
be borne by you and reimbursed by the insurer only if your
appeal is successful.
The decision made by the Arbitration Panel shall be final
and binds both parties.