Frequently Asked Questions

Total Permanent Disability

  • Q:How will my Total Permanent Disability benefit be paid?

    A:

    We will pay you the benefit in a lump sum after you have been certified as being totally and permanently disabled.

  • Q:If I am hospitalised for an injury or an acute condition, can I claim under Total Permanent Disability?

    A:

    Total Permanent Disability benefit will only be payable when your condition fulfils the criteria stated in your policy document. We suggest waiting for your condition to stabilise before considering filing a claim if your current condition is unstable. If you submit your claim before your condition stabilises, we will not be able to assess your claim and will require you to resubmit your claim at a later date.

  • Q:What does Total Permanent Disability mean under Dependents’ Protection Scheme (DPS)?

    A:

    Total Permanent Disability refers to (i) the inability to take part in any employment permanently or (ii) the total permanent loss of physical function of any of the following:

    • Both eyes; or
    • Two limbs; or
    • One eye and one limb
    1. Total Permanent Disability is not about the difficulty of finding a job or whether a person is currently employed. It is about the ability of the person in performing work related activities. For example, if a person is still able to perform simple or sedentary forms of work, he/she is not considered to be totally and permanently disabled.
    2. For Total Permanent Disability due to total loss of physical function of both eyes, two limbs or one eye and one limb, loss must occur only after 1 May 2016 in order for claims to be payable.

  • Q:What if I am mentally incapable of handling money?

    A:

    A Court Order is required for claim payment if you are certified to be mentally incapacitated and unable to handle your financial affairs. A Court Order is a legal document which the Court grants to your next-of-kin or appointed person to handle your affairs on your behalf. If you had made a Lasting Power of Attorney (LPA) before the mental incapacity certification date, please forward a copy of the LPA document and a copy of the Donee’s identity card to us for our processing.

General

  • Q:Can you obtain the Attending Medical Practitioner’s Statement (AMPS) from the doctor on my behalf?

    A:

    You are encouraged to obtain the completed AMPS from your doctor(s) because it will speed up the process. The cost of the report should range from $100 to $300 (subject to prevailing GST and hospital fee charges. You may clarify with the hospital directly on the fee charges); the cost of this report is to be borne by you.

    Where AMPS form specific to your condition is available in our website, you should use that specific AMPS for your doctor’s completion. 

    If you are unable to obtain the completed AMPS due to special reasons (e.g. suffering from a stroke and no available next of kin to assist with the AMPS application), we would be happy to do so on your behalf, upon your request and the cost of the report will be borne by you. However, please be informed that hospitals may take up to ten weeks to respond to our request.


  • Q:Is there a waiting period before I can make a TPD claim?

    A:

    There is no waiting period. However, because TPD means the inability to take part in any paid work for the rest of a person’s life, the insured must be certified by a registered medical practitioner to have been totally and permanently disabled for at least six months in a row.

  • Q:What if I am mentally incapable of handling money?

    A:

    A Court Order is required for claim payment if you are certified to be mentally incapacitated and unable to handle your financial affairs. A Court Order is a legal document which the Court grants to your next-of-kin or appointed person to handle your affairs on your behalf. If you had made a Lasting Power of Attorney (LPA) before the mental incapacity certification date, please forward a copy of the LPA document and a copy of the Donee’s identity card to us for our processing.

Dependants' Protection Scheme

  • Q:Where can I learn more about the policy information and claim process for Dependants' Protection Scheme?

    A:

    Please refer to the FAQs for more information.