Debated in Parliament on 4 Nov 2025.
Dr Choo Pei Ling asked the Coordinating Minister for Social Policies and Minister for Health (a) how many appeal cases have been received in each year since CareShield Life started in 2020; (b) what proportion of these appeals were successful; and (c) what were the lessons learned from these appeals to improve on the assessment process.
CareShield Life policyholders who apply to make a claim will need to undergo an assessment by a Ministry of Health (MOH)-accredited severe disability assessor. Policyholders who disagree with the outcomes of their severe disability assessment can appeal. Each appeal is reviewed by an independent panel of experienced healthcare professionals.
Since CareShield Life was launched in 2020, there have been three appeal cases. None were successful.
MOH and the Agency for Integrated Care continually review our assessment process and scheme administration for improvement. For instance, in response to feedback to improve convenience for applicants, we have been expanding the number of assessors who do house calls and are based at Public Health Institutions. We have also streamlined the claims application process across various disability schemes, to reduce administrative load on care recipients and caregivers.
PAPERCUTS