What you need to know.

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You can submit this claim online via me@income. Don't have an account yet? Register today!

To receive payments as quickly as possible, opt for Direct Crediting under the Payment section in the claim form.

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1

Are you claiming under any of the following policies?

2

Prepare the required documents and complete the claim form

I’m claiming under a different policy from those above
Required documents
  • Attending Medical Practitioner's Statement, to be completed by the claimant and the attending doctor
  • Medical reports, investigation reports, laboratory reports and hospital discharge summary
  • Medically boarded out letter, if any
  • Newspaper clipping and police/accident report, if applicable
  • NRIC or relevant identification documents (e.g. passports, birth certificates)

Claim forms

Dependants’ Protection Scheme
Required documents
  • Attending Medical Practitioner's Statement, to be completed by the claimant and the attending doctor
  • Medical reports, investigations reports, laboratory reports and hospital discharge summary
  • Medically boarded out letter, if any
  • Newspaper clipping and police/accident report, if applicable
  • Termination letter from last employer or CPF statement showing last employment contribution
  • Statement from CPF Board showing CPF contributions for the past 15 months
  • NRIC or relevant identification documents (e.g. passports, birth certificates)

Claim forms

ElderShield / PrimeShield
Required documents

To claim under this policy, you must be unable to perform three or more of the following Activities of Daily Living (ADLs):

  • Washing
    The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.
  • Dressing
    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.
  • Feeding
    The ability to feed oneself food after it has been prepared and made available.
  • Toileting
    The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.
  • Mobility
    The ability to move indoors from room to room on level surfaces.
  • Transferring
    The ability to move from a bed to an upright chair or wheelchair, and vice versa.

Booking an appointment 

Book an appointment with one of our appointed assessors for a medical assessment.

You will be required to pay a subsidised fee for the medical assessment.

At the medical assessment 

Download and complete the claim form before bringing it for the appointment.

If you are unable to do so, your immediate family member or caregiver can complete them on your behalf.

After the medical assessment is done, the assessor will then return the assessment report together with the completed claim form to Income for processing.

Claim forms

3

Send us your documents and claim form

If you are unable to submit your claim online, you can choose one of the following channels to submit your claim during this period.

  1. Email your claim to us.
    a. Submission of Group and Affinity insurance products, email to groupclaim@income.com.sg
    b. Submission of Personal life/health insurance products, DPS or ElderShield, email to csquery@income.com.sg.
  2.  By post to
    Claims Service Centre
    Income Centre
    75 Bras Basah Road
    Singapore 189557


Important notes

  • Please ensure that all requirements for claim submission stated in our website are completed before submission to avoid unnecessary delay.
  • To receive payments as quickly as possible, opt for Direct Crediting under the Payment section in the claim form.
  • If you are submitting your claim online or via email, you are required to keep the original medical bills/receipts for six months as we may request for them for verification prior to/post settlement of your claim.
  • For all overseas claims, you are required to submit/follow up with the original notarised documents. 

Your queries answered.

ElderShield is an insurance scheme introduced by the MOH to provide financial help to those who are unable to take care of themselves because of severe disabilities. ElderShield Supplement is designed to complement the Basic ElderShield by providing more comprehensive, longer coverage or a higher monthly payment.

You will have to be certified to be suffering from “severe disability” by one of the appointed assessors in order to claim ElderShield and Eldershield Supplements.

Your first monthly benefit payout will be credited into your bank account 90 days after you have been certified disabled by the appointed assessor and qualify for the benefit payout. The 90 days deferment period is one of the requirements stated in the policy contract.

Your monthly benefit payments will be directly credited into your bank account specified in your ElderShield Claim Form.

Yes, they can be paid to your caregiver. Please complete and sign the Letter of Undertaking and Indemnity found in the claim form. Please submit the completed and signed form together with a copy of your caregiver’s bank book/statement showing his/her bank account details such as bank’s name, branch and account number to the following address.
 

Life Claims Section
Life & Health Operations
NTUC Income Insurance Cooperative Ltd
Income Centre
75 Bras Basah Road
Singapore 189557

No, it is not a requirement for you to be confined to an institution for the benefit to be paid out. ElderShield monthly benefit payments are made in the form of cash benefit and are not tied to the reimbursement of costs of institutional care.

Yes, you may be required to go to our panel assessor for periodic examination. We will keep you informed when such requirements arise.

We will bear the cost of such periodic reviews. In the event that you have been charged by the assessor, please seek reimbursement from us by sending us your original receipt at the following address:

Group Life Claims Section
Life & Health Operations
NTUC Income Insurance Cooperative Ltd
Income Centre
75 Bras Basah Road
Singapore 189557

Yes, you can claim from both ElderShield and ElderShield Supplement as long as you fulfil the respective claims eligibility criteria.

ElderShield covers you for disability. Hence, no claim will be payable should death occur. Your ElderShield policy will be terminated upon death and there will also be no refund of premiums.

However, if you have purchased our PrimeShield, your estate will be eligible to claim for the death benefit if death occurs during your disability claim.

Yes, you should. The monthly benefit is only payable when you are not able to perform at least three Activities of Daily Living. We will review your case and inform you of the outcome.

Get in touch with us.

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