Making Claims

Two things to know before you make a claim

1. You should be unable to perform three or more Activities of Daily Living (ADLs)

Under ElderShield, you will be eligible for the insurance payouts if you are unable to perform 3 or more of the following ADLs. This means that you will require the assistance of another person for the ADL.



The ability to wash in the bath or shower (including getting into and out of the bath or shower) or do a sponge/ bed bath.



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.



The ability to feed oneself food after it has been prepared and made available.



The ability to use the toilet or manage bowel and bladder function through the use of protective undergarments such as diapers or surgical appliances if appropriate.

Walking or Moving Around


The ability to move indoors from room to room on level surfaces.



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


2. There is a fee for the disability assessment

The disability assessment needs to be conducted by a MOH accredited severe disability assessor, and can be done by visiting the assessor's clinic, or getting the assessor to assess you at your home, both at a fee payable to the assessor at the time of assessment.

If your ElderShield claim is successful, your insurer will reimburse the full cost of the assessment fee to you.

Type of Assessment Fees per Assessment
Visit to the appointed assessor $50
House call $150

How to make a claim


1. Download the ElderShield Claim Form

The form you download depends on the insurer you are covered under (you may also call to request for it to be mailed):


2. Disability Assessment

Arrange for a disability assessment with a MOH-accredited severe disability assessor to assess whether you fulfil the disability criteria. The list of MOH-accredited severe disability assessors can be downloaded here.


3. Submit the Forms

Complete the ElderShield Claim Form and hand them to the assessor, who will fill in the necessary sections and submit them to your ElderShield insurer.

Once your claim has been approved, you will receive the first payout either by cheque or it will be credited into your bank account within 90 days.


Last Updated on 27 Jan 2020