There is no co-payment for CareShield Life disability assessment. However, the assessment fee is waived for the first disability assessment for CareShield Life claims, regardless of the claim outcome. The assessment fee will also be fully reimbursed for individuals who are assessed to have developed severe disability. Hence, individuals with severe disability will not be financially disadvantaged by the need to go for a severe disability assessment, even though no co-payments/subsidies are provided.

The upfront payment is intended to ensure that individuals only approach assessors if they are reasonably certain that they have developed severe disability. 

The same disability assessment result can also be used by patients to apply for other disability schemes (e.g. HCG, PioneerDAS). If there is a need to go for a Functional Assessment Report to further assess your disability status after you have applied, AIC will inform you. 

This information is sourced from MOH