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 assessed by an MOH accredited severe disability assessor to be unable to perform 3 or more of the following ADLs. This means that you will require significant assistance from 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 you are assessed to be severely disabled, you will be reimbursed for the full cost of the assessment fee.

Type of Assessment Fees per Assessment
Visit to an assessor's clinic $100
House call $250

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 found here.

In view of the COVID-19 circuit breaker measures announced by the Government, all disability assessment services for disability schemes administered by the Agency for Integrated Care (AIC) and MOH-approved ElderShield insurers (Aviva, Great Eastern Life, NTUC Income) will be temporarily suspended for the duration of the circuit breaker period, currently from 7 Apr 2020 to 1 Jun 2020 (inclusive).

If you have an appointment for a disability assessment scheduled during the circuit breaker period, your disability assessor will contact you to make alternative arrangements as appropriate.

If you have been asked to go for a periodic disability review during the circuit breaker period in order to continue receiving your monthly payouts, please note that both AIC and MOH-approved ElderShield insurers will be deferring these reviews till after the circuit breaker measures are lifted. You will separately be informed of the revised deadline for your periodic disability review. In the meantime, AIC and/or your MOH-approved ElderShield insurer will continue to provide you with your monthly payouts.

We seek your understanding that this suspension is to minimise exposure and reduce the risk of further local transmission of COVID-19, especially for vulnerable segments of the population. It will also allow healthcare professionals to focus on supporting COVID-19 related work and other emergencies.


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 Apr 2020