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Make a CareShield or ElderShield claim

Make a CareShield or ElderShield disability claim if you're unable to perform a number of activities of daily living (ADL) as specified in your policy contract.

What are the 6 ADLs?

  1. Washing
  2. Dressing
  3. Feeding
  4. Toileting
  5. Walking or moving around
  6. Transferring

Did you know?

You can submit your claims via your Financial Representative, and they can also help follow up on your specific needs.

How to make a CareShield or ElderShield claim

1. Download documents

You will need to submit the following documents for your claim

Document Purpose
Claimant's Statement To be completed with details of your claim
Letter of Undertaking and Indemnity To provide us with consent to release the benefit payment to a third party (family member or caregiver)
Clinical Abstract Application To allow us to access your medical information
 
2. Include supporting documents
 
In addition to the forms and documents in the previous step, we'll also require you to submit the following documents:
 
a. Copy of the policyholder's NRIC or passport
 
b. Copy of the third party's NRIC or passport
 
c. Copy of all diagnostic reports, such as:
 
  • Resting ECGs
  • Exercise stress tests
  • Troponin results
  • Enzymes assays
  • Isotope studies imaging coronary angiography
  • Blood tests
  • Ultrasounds
  • Biopsies
  • Histopathology reports
  • CT scans
  • Other imaging studies
  • Laboratory tests results
  • Detailed Inpatient Discharge Summary
  • Any other relevant hospital reports

d. Copy of birth certificate or legal adoption papers of your child (applicable only for Dependent Care Benefit)

e. 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 only for homes and institutions)

How to get an Assessor's Statement

To attain an Assessor's Statement, you will need to first be assessed by one of our appointed assessors on your severe disability.
 
On your appointment day, prepare a fee of SGD100 for the assessment, and bring along all of the following:
 
  • Claimant's Statement
  • Letter of Undertaking and Indemnity
  • Clinical Abstract Application
  • Any available medical reports or discharge summary
  • Your current medication (if any)

If you are unable to travel to the assessor's clinic, you may make arrangements with the assessor nearest your location for a home-based assessment. Note that the home-based assessment will cost SGD250.

The Assessor's Statement and all documents will be sent directly to us after your appointment is completed.

3. Submission

By email

Submit the completed forms and supporting documents to us via email.

Attention to: Life Claims Department
Email: lifepaclaims-sg@greateasternlife.com
Subject: CareShield or ElderShield claim

By walk-in or post

You can also visit us at our customer service centre, or send all forms and documents and supporting documents to us by post.

Attention to: Life Claims Department
The Great Eastern Life Assurance Company Limited
1 Pickering Street
Great Eastern Centre #01-01
Singapore 048659

 

Payout process

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

You will receive payouts monthly for as long as you are unable to perform the applicable number of ADLs. Payout will be made to you by the method you've indicated in your claim form.

The amount is dependent on your chosen monthly benefit when you purchased the policy, and whether you had purchased GREAT CareShield Advantage or GREAT CareShield Enhanced.

Note that you will still be required to pay for your premiums until you being receiving the payouts. Any premiums paid after this point will then be refunded.

 

Questions and Answers

GREAT CareShield Advantage and GREAT CareShield Enhanced provides worldwide coverage. Follow these steps to file your claim if you are overseas:

a. Obtain the claimant's statement, or contact the our customer service centre to request for a copy to be mailed to you.

b. Submit the completed statement, together with any available medical reports (from registered practitioners in Western medicine)

  • Provide the name, address and clinic of the doctor certifying your medical condition.

c. Upon receipt of the information, we will send the Assessor’s Statement to you doctor, who will assess the severity of your disability and send the completed statement back to us.

d. We 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 us.

For claims made from overseas, we shall make every reasonable effort to assess the disability and make claim payments.

Under these circumstances, we may pay out the benefit in a single payment reflecting the present value of future benefit payments.

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

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

Yes, assessors will 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 will still be required to undergo disability assessment 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.

We will bear all charges for the reviews.

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 90 days from the date your disability is confirmed and certified to have worsened.

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