- Customer Services
- Claims
- Disability
- Make a total permanent disability claim
Make a total permanent disability claim
Check the policy contract for the definition of total permanent disability
You can make a claim when an accredited medical specialist certifies the life assured to be suffering from total permanent disability.
For Great Eastern Life policies, refer to the policy contract for the definition of total permanent disability.
For the Dependants’ Protection Scheme (DPS), total permanent disability refers to:
- the inability to take part in any employment permanently, or
- the total permanent loss of physical function for any of the following:
- Both eyes;
- Two limbs; or
- One eye and one limb
Continue to pay your premiums while your claim is being assessed.
How to make a claim
The method for claiming depends on whether your claim application includes the DPS:
- Claim includes Great Eastern Life policies only (no DPS)
- Claim includes Dependants’ Protection Scheme (DPS) with or without Great Eastern Life policies
Claim includes Great Eastern Life policies only (no DPS)
Find out where and how to make the claim application depending on what you are claiming for.
| What you are claiming from | Where to apply and what's needed |
| Great Eastern Life policies only without DPS | Submission to Great Eastern Life Follow the instructions below. |
Claim includes Dependants' Protection Scheme (DPS) with or without Great Eastern Life policies
Find out where and how to make the claim application depending on what you are claiming for.
| What you are claiming from | Where to apply and what's needed |
| DPS and either Home Protection Scheme (HPS) or Reduced Life Expectancy (RLE) Scheme, or both | You need to submit your application to the CPF Board and Great Eastern Life. 1. Submission to the CPF Board a. Submit the online application after signing in to Singpass b. Upon submission, download the medical certification form and have the accredited specialist who certified the disability to complete it. The medical institution will submit the completed medical certification to the CPF Board. Great Eastern Life will receive a copy for claim processing. 2. Submission to Great Eastern Life Follow the instructions below. |
| DPS, with or without other Great Eastern Life policies | Submission to Great Eastern Life Follow the instructions below. |
1. Preparing supporting documents
You need to submit the following documents for your Great Eastern Life policy and/or Dependants' Protection Scheme (DPS) claims.
| Document | Submission guidelines |
Claimant's Statement; or DPS Claim and Payment Instruction Form |
Claimant's Statement – Submit this when:
DPS Claim and Payment Instruction Form – Submit this when:
|
| Clinical Abstract Application | Submit this form for us to access your medical information. |
| Doctor's Statement and official receipt | Refer to the instructions below on applying for a Doctor's Statement. If you are claiming under DPS without applying for HPS, include the receipt for the Doctor's Statement for reimbursement application. |
| All available Laboratory and Test Results | You need to obtain the laboratory and test results from the medical institution's medical records office or specialist clinic and pay for them. |
| A copy of the Lasting Power of Attorney (LPA) (if available) | Submit a copy of the LPA, if the life assured:
|
| Employment termination documents (if available) | Submit the following termination letters:
|
| Police report or newspaper clipping (if available) | Submit the police report or newspaper clipping if the disability was due to an accident or unnatural causes. |
How to apply for a Doctor's Statement
The process varies for restructured and private hospitals. Approach the treating doctor who certified your condition to complete the Doctor's Statement.
For restructured hospitals
a. Download and print the Doctor's Statement and bring it along with you to the hospital.
b. Apply through the hospital's Medical Report Office.
c. Make payment.
d. Your application may take approximately 6 to 8 weeks.
e. Once the statement is ready, collect it when there is no application to the CPF Board concurrently and submit it together with the rest of the documents.
For private hospitals
a. Download and print the Doctor's Statement and pass it to your treating specialist.
b. Make payment.
c. You may ask the treating specialist about the processing time of your application.
d. Once the statement is ready, collect it when there is no application to the CPF Board concurrently and submit it together with the rest of the documents.
2. 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: Total permanent disability 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
If you need help, please call our Customer Service Hotline at 1800 248 2888 or email us at LifePAClaims-SG@greateasternlife.com.
Payout process
Questions and Answers
A medical report is required before each TPD instalment is made because, under the contract for TPD, if the life assured ceases to be totally and permanently disabled, we will discontinue all further annual payments. Therefore, there is a need to confirm that the life assured is still totally and permanently disabled before each instalment is paid out.
On the maturity due date, we will pay out the balance of the TPD instalments in one lump sum.
It is stated in the contract that if the insured person ceases to be TPD, we will discontinue further TPD benefits payments and the policy shall continue under such terms and conditions as we may decide.