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I am receiving other disability assistance schemes such as PioneerDAS or HCG, why can’t I qualify for CareShield claims?


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Updated by AIC

The CareShield Life claims criteria is stricter than that of PioneerDAS and HCG.

For PioneerDAS and HCG, which are moderate disability schemes, individuals only need to always require some assistance with 3 or more activities of daily living.

CareShield Life is a severe disability scheme. The individual should be unable to perform 3 or more activities of daily living (i.e. require significant assistance) in order to make a claim.

As the CareShield Life eligibility criteria is stricter, insureds who are eligible for CareShield Life claims can automatically receive PioneerDAS or HCG payouts without going for a separate assessment (subject to meeting the other non-disability eligibility criteria for these schemes).


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