CareShield Life and Long-Term Care Act 2019

CareShield Life and
Long-Term Care Act 2019

2020 REVISED EDITION

This revised edition incorporates all amendments up to and including 1 December 2021 and comes into operation on 31 December 2021

An Act to establish and provide for the CareShield Life Scheme and other measures to provide for long‑term care financing support for severely disabled persons.

[2 January 2020: Except sections 3, 4, 16, 18 to 21, 35, 36, 50, 58, 59, 65, 66 and 67 and Parts 2 to 5 and 7 ;

1 October 2020: Sections 3 to 16, 18 to 30, 35, 36, 50, 58, 59, 66 and 67 ]

PART 1

PRELIMINARY

Short title

1.  This Act is the CareShield Life and Long-Term Care Act 2019.

General interpretation

2.—(1)  In this Act, unless the context otherwise requires —

“Administrator”  —

(a) in relation to the CSHL Scheme, means the person appointed under section 5(3); or

(b) in relation to the ESH Scheme, means the person appointed under section 11(3);

“assessor” means an assessor approved by the Minister under section 17(1) to conduct, and report on, disability assessments;

“Board” means the Central Provident Fund Board constituted under section 3 of the CPF Act;

“claim applicant” means a person who makes a claim under section 16(1);

“Council” means the CareShield Life Council appointed under section 37;

“CPF Act” means the Central Provident Fund Act 1953;

“CPF member” means a “member of the Fund” or “member” as defined in section 2(1) of the CPF Act;

“CSHL Scheme” means the severe disability insurance scheme called the CareShield Life Scheme established by section 5;

“defaulter” means a person liable to pay an outstanding premium;

“ESH Scheme” means the severe disability insurance scheme called the ElderShield Scheme that is transferred by the private insurers to the Government;

“former ElderShield Scheme” means the ElderShield Scheme approved by the Minister, that immediately before the transfer date was administered by the private insurers, for the purposes of allowing a person to purchase a severe disability insurance policy from a private insurer;

“Fund” means the CareShield Life and ElderShield Insurance Fund established by section 35;

“health declaration” means a declaration as to whether a person has any pre‑existing medical condition (including a person’s disability condition) that is made to the Board for the purpose of determining whether a person is eligible for insurance cover under the CSHL Scheme or ESH Scheme;

“healthcare institution” means —

(a) the holder of a licence granted under the Healthcare Services Act 2020; or

[Act 19 of 2025 wef 05/12/2025]

(b) such other person who provides care services for the disabled as may be determined by the Minister;

“healthcare practitioner” means —

(a) a medical practitioner registered under the Medical Registration Act 1997;

(b) a nurse registered under the Nurses and Midwives Act 1999; or

(c) an allied health professional registered under the Allied Health Professions Act 2011;

“insured person” means a person who is insured under the CSHL Scheme or ESH Scheme, as the case may be;

“insured sum” means a prescribed sum that is payable monthly to an insured person under the CSHL Scheme or ESH Scheme;

“investigator” means an investigator appointed under section 46(1) or (2);

“IRAS” means the Inland Revenue Authority of Singapore established under section 3 of the Inland Revenue Authority of Singapore Act 1992;

“LTC Support Fund” means the Long‑Term Care Support Fund established by section 38;

“means declaration” means a declaration, submitted to a person appointed by the Minister, for the purposes of determining an individual’s household income or eligibility for a grant, subsidy or other benefit under a public scheme;

“means information” means —

(a) any documents, information, returns, assessment lists or copies of such lists relating to the income or items of income of any person to which section 6 of the Income Tax Act 1947 applies;

(b) any documents, information, returns and assessments relating to the business, the value of the supply of any goods and services, or the income of any taxable person to which section 6 of the Goods and Services Tax Act 1993 applies;

(c) information obtained under the Property Tax Act 1960, including the Valuation List;

(d) information obtained under the Stamp Duties Act 1929; and

(e) information relating to the income or items of income of any person in the possession of any Government department or other public authority;

“medisave account” means a medisave account maintained under section 13 of the CPF Act;

“not disabled” has the meaning given in the Fourth Schedule;

[Act 18 of 2025 wef 01/01/2026]

“outstanding premium” means the amount of premium due which remains unpaid, and includes any interest imposed under section 23(1)(a), and any penalty imposed under section 29, in respect of the premium;

“permanent resident of Singapore” has the meaning given by section 2 of the Immigration Act 1959;

[Act 18 of 2025 wef 01/01/2026]

“premium” means a premium payable for insurance cover under the CSHL Scheme or ESH Scheme;

“prescribed public scheme” means a public scheme prescribed for the purposes of Part 8;

“prescribed social or healthcare‑related public scheme” means a public scheme, prescribed for the purposes of Part 8, that provides any grant, subsidy or other benefit for the payment of any social or healthcare expenses;

“private insurer”, in relation to the former ElderShield Scheme, means an insurer approved by the Minister charged with the responsibility for health to sell severe disability insurance policies to CPF members under that Scheme;

“public authority” means a body established or constituted by or under a public Act to perform or discharge a public function;

“public scheme” means a scheme that is established —

(a) by or under any written law and administered by a public authority; or

(b) by the Government in any other manner,

to provide financial relief, assistance or support to citizens of Singapore or permanent residents of Singapore, or any part of them;

“rebate” means a payment from the Fund that is declared by the Minister under section 36(2);

“recovery body” means a public authority appointed as a recovery body under section 30;

“regulations” means any regulations made under section 64;

“SCPR date”, in relation to an individual, means the date on which the individual becomes a citizen of Singapore or a permanent resident of Singapore, whichever occurs first;

[Act 18 of 2025 wef 01/01/2026]

“severe disability” has the meaning given in the First Schedule;

“Supplement Scheme” means an insurance scheme administered by an insurer approved by the Minister to provide disability insurance benefits over and above the CSHL Scheme or ESH Scheme;

“transfer date” has the meaning given by section 8.

[3/2020]

(2)  In reckoning the age of an individual for the purposes of this Act —

(a) the individual is taken to have attained a particular age expressed in years on the relevant anniversary of the individual’s birth;

(b) a reference to the anniversary of the birth of an individual in paragraph (a) is a reference to the day on which the anniversary occurs;

(c) where an individual was born on 29 February in any year, then in any subsequent year that is not a leap year, the anniversary of that individual’s birth is taken to be 1 March in that subsequent year;

(d) if the day on which an individual was born cannot be ascertained but the month of the individual’s birth can be ascertained, the individual is taken to be born on the first day of the month in which the individual was born; and

(e) if the month in which an individual was born cannot be ascertained, the individual is taken to be born in January.

(3)  In this Act, a reference to a health declaration or means declaration includes a reference to a health declaration or means declaration (as the case may be) made before 1 October 2020, in anticipation of the establishment of the CSHL Scheme or ESH Scheme, as the case may be.

(4)  In this Act, an individual who lacks mental capacity is an individual who lacks capacity within the meaning of section 4 of the Mental Capacity Act 2008.

Meaning of “approved payee”

3.—(1)  In this Act, unless the context otherwise requires, an “approved payee”, in relation to an insured person, means a person who is within a class of persons approved by the Minister to receive benefits under the CSHL Scheme or ESH Scheme on behalf of the insured person.

(2)  Different classes of persons may be approved under subsection (1) for different classes of claim applicants or different classes of insured persons.

Meaning of “authorised applicant”

4.  In this Act, unless the context otherwise requires, “authorised applicant”, in relation to —

(a) an individual making a health declaration for the purposes of the CSHL Scheme or ESH Scheme;

(b) an individual making an application for insurance cover under the CSHL Scheme;

(c) an insured person withdrawing from insurance cover under the CSHL Scheme or ESH Scheme;

(d) an insured person making a claim under the CSHL Scheme or ESH Scheme; or

(e) an individual’s reinstatement as an insured person under the CSHL Scheme or ESH Scheme,

who lacks mental capacity, means —

(f) a person who is —

(i) a deputy appointed or deemed to be appointed for the individual or insured person (as the case may be) by the court under the Mental Capacity Act 2008 with power in relation to the individual or insured person (as the case may be) for the purposes of this Act; or

(ii) a donee under a lasting power of attorney registered under the Mental Capacity Act 2008 with power in relation to the individual or insured person (as the case may be) for the purposes of this Act; or

(g) despite any provision in the Mental Capacity Act 2008, where to the best of the Administrator’s or Board’s knowledge (as the case may be), there is no deputy appointed or deemed to be appointed, or no donee appointed under a lasting power of attorney, for the purposes of this Act for the individual or insured person (as the case may be), a person who is within the class or classes of persons approved by the Minister —

(i) to make a health declaration on behalf of the individual for the purposes of the CSHL Scheme or ESH Scheme;

(ii) to make an application for insurance cover under the CSHL Scheme on behalf of the individual;

(iii) to withdraw from insurance cover under the CSHL Scheme or ESH Scheme (as the case may be) on behalf of the insured person;

(iv) to make a claim under the CSHL Scheme or ESH Scheme (as the case may be) on behalf of the insured person including the nomination of an approved payee (who may be the authorised applicant); or

(v) to act on behalf of the individual in relation to the individual’s reinstatement as an insured person under the CSHL Scheme or ESH Scheme, as the case may be.

PART 2

CARESHIELD LIFE SCHEME

Establishment of CareShield Life Scheme

5.—(1)  There is established a severe disability insurance scheme called the CareShield Life Scheme or CSHL Scheme to provide payments of an insured sum to an insured person when he or she becomes severely disabled, during the period in which he or she is insured under the CSHL Scheme.

(2)  It is the function of the Board to administer, on behalf of the Government, the provisions of this Act specified in Part 1 of the Second Schedule for the purposes of the CSHL Scheme.

(3)  The Minister may appoint a person other than a public authority as an Administrator to administer, on behalf of the Government, the provisions of this Act specified in Part 2 of the Second Schedule for the purposes of the CSHL Scheme.

Application of CSHL Scheme

6.—(1)  The CSHL Scheme applies to —

(a) every citizen of Singapore or permanent resident of Singapore whose birthday is on or after 1 January 1980 and who is at least 30 years of age;

(b) every individual —

(i) who, on 30 September 2020, was not a citizen of Singapore or a permanent resident of Singapore, but becomes a citizen of Singapore or a permanent resident of Singapore on or after 1 October 2020;

(ii) whose birthday is before 1 January 1980; and

(iii) who —

(A) if the individual’s SCPR date is on or after the date of commencement of section 3(a) of the CareShield Life and Long-Term Care (Amendment) Act 2025 — is not disabled on that SCPR date; or

(B) if the individual’s SCPR date is before the date of commencement of section 3(a) of the CareShield Life and Long-Term Care (Amendment) Act 2025 — was not severely disabled on that SCPR date;

[Act 18 of 2025 wef 01/01/2026]

(c) every individual —

(i) who, on the transfer date or such other date prescribed for a particular class of individuals, is a citizen of Singapore or a permanent resident of Singapore;

(ii) whose birthday falls within such period or periods before 1 January 1980 as may be prescribed by an order in the Gazette;

(iii) who is not severely disabled on the transfer date or such other date prescribed for the purposes of this sub‑paragraph for a particular class of individuals;

(iv) who, on the transfer date or such other date prescribed for a particular class of individuals, satisfies such other conditions as may be prescribed; and

(v) who does not withdraw (whether on his or her own or by an authorised applicant acting on behalf of the individual) from the CSHL Scheme before the date prescribed for the purposes of this sub‑paragraph; and

(d) every other citizen of Singapore or a permanent resident of Singapore not within paragraph (a), (b) or (c) who —

(i) applies for insurance cover under the CSHL Scheme (on his or her own or by an authorised applicant acting on his or her behalf) and whose application is accepted under section 7; and

(ii) does not subsequently withdraw (on his or her own or by an authorised applicant acting on his or her behalf) from the CSHL Scheme within the prescribed period after the date the application is accepted under section 7.

(2)  To ascertain the disability condition of an individual for the purposes of subsection (1)(b) and (c), the Board may require the individual to make a health declaration or attend a disability assessment by an assessor.

(3)  For the purposes of subsection (1)(c)(i), (iii) and (iv), different dates may be prescribed for different classes of citizens of Singapore and permanent residents of Singapore.

(4)  Despite subsection (1), where an individual —

(a) is not a citizen of Singapore and not a permanent resident of Singapore; or

(b) is disabled or severely disabled,

[Act 18 of 2025 wef 01/01/2026]

the Board may determine that the individual may be covered, for such period as the Board thinks fit, under the CSHL Scheme if the individual satisfies such conditions as may be determined by the Minister in any particular case where the Minister considers appropriate.

(5)  An order made for the purposes of subsection (1)(c)(ii) cannot be amended or revoked by another order.

Application for insurance cover

7.—(1)  An individual who wishes to have insurance cover under the CSHL Scheme must apply to the Board in accordance with this section.

(2)  Despite any provision in the Mental Capacity Act 2008, if an individual lacks mental capacity, an authorised applicant may make an application under this section on behalf of that individual.

(3)  An application must —

(a) be in the form and manner required by the Board; and

(b) be accompanied by any document or information that the Board requires to decide whether to accept the application.

(4)  The Board may accept an application if the individual to be insured satisfies such requirements as may be prescribed.

(5)  In deciding whether to accept an application, the Board may —

(a) carry out such inquiries and investigations in relation to the application as are necessary for a proper consideration of the application;

(b) request that the authorised applicant or individual to be insured (as the case may be) provide, within a specified time, any additional information that the Board requires for a proper consideration of the application; and

(c) require that the individual to be insured attend a disability assessment by an assessor.

PART 3

ELDERSHIELD SCHEME

Transfer date

8.  The transfer date is the date that the Minister may, by notification in the Gazette, appoint to be the date on which the former ElderShield Scheme is transferred to the Government.

Waiver of prohibition of transfer

9.—(1)  A provision in any contract, agreement, conveyance, deed, lease, guarantee, bond, indemnity and other instrument or undertaking to which a private insurer is a party on the eve of the transfer date which prohibits or has the effect of prohibiting the transfer of any property, rights, obligations or liabilities of the private insurer on the eve of the transfer date and that relate to the former ElderShield Scheme is deemed by this Act waived on the transfer date.

(2)  A provision in any contract, agreement, conveyance, deed, lease, guarantee, bond, indemnity and other instrument or undertaking to which a private insurer is a party on the eve of the transfer date which confers on any counterparty to that contract, agreement, conveyance, deed, lease, guarantee, bond, indemnity, other instrument or undertaking any right of first refusal or pre‑emption rights —

(a) in respect of any property, right, obligation or liability of the private insurer on the eve of the transfer date and that relate to the former ElderShield Scheme; and

(b) arising from or because of, or to the effect that a default is to occur or be deemed to occur as a result of, the transfer or intended transfer of those property, rights, obligations or liabilities,

is deemed by this Act waived on the transfer date.

Non-application of sections 116, 117, 118 and 119 of Insurance Act 1966

10.  Sections 116, 117, 118 and 119 of the Insurance Act 1966 do not apply to, or in relation to, the transfer or proposed transfer of the former ElderShield Scheme to the Government mentioned in section 8.

End of insurance cover under former ElderShield Scheme and establishment of ElderShield Scheme

11.—(1)  As from the transfer date —

(a) insurance cover under the former ElderShield Scheme ends; and

(b) the ElderShield Scheme or ESH Scheme is established and applies to every individual whose birthday is before 1 January 1980 and who —

(i) immediately before the transfer date, was insured, or treated by the Board as insured, under the former ElderShield Scheme; and

(ii) is not insured under the CSHL Scheme.

(2)  It is the function of the Board to administer, on behalf of the Government, the provisions of this Act specified in Part 1 of the Third Schedule for the purposes of the ESH Scheme.

(3)  The Minister may appoint a person other than a public authority as an Administrator to administer, on behalf of the Government, the provisions of this Act specified in Part 2 of the Third Schedule for the purposes of the ESH Scheme.

PART 4

BENEFITS

CSHL Scheme and ESH Scheme benefits

12.—(1)  This section applies to, and in relation to, the CSHL Scheme and ESH Scheme.

(2)  Subject to subsection (3), an insured person is entitled to one or more payments of an insured sum of an amount prescribed where —

(a) the insured person is severely disabled; and

(b) a claim made by or on behalf of the insured person is accepted under section 16.

(3)  An insured person’s entitlement to payment of an insured sum ends —

(a) on the date that the insured person’s insurance cover under the CSHL Scheme or ESH Scheme (as the case may be) ends in accordance with the regulations; or

(b) if the insurance cover has not ended in accordance with the regulations — on the date that the insured person is no longer severely disabled.

Nature of rights and benefits under CSHL Scheme and ESH Scheme

13.—(1)  The rights and benefits of an insured person arising from his or her insurance cover under the CSHL Scheme or ESH Scheme are not assignable or transferable.

(2)  A policy of insurance issued under the CSHL Scheme or ESH Scheme does not create any legal or equitable trust.

(3)  Section 73 of the Conveyancing and Law of Property Act 1886 and section 132 of the Insurance Act 1966 do not apply to any policy of insurance issued under the CSHL Scheme or ESH Scheme.

(4)  The Insurance Act 1966 does not apply to the CSHL Scheme or ESH Scheme, or anything done under this Act in relation to the CSHL Scheme or ESH Scheme.

PART 5

PREMIUMS

Premium

14.—(1)  The premium for each insurance period (called in this section a relevant insurance period) is payable by or on behalf of an insured person until the insured person’s obligation to pay premiums under the CSHL Scheme or ESH Scheme (as the case may be) ends in accordance with the regulations.

(2)  The premium for each relevant insurance period is the amount specified in a prescribed manner, which may include a website.

(3)  For every relevant insurance period, the premium must be paid by, or on behalf of, an insured person —

(a) not later than 30 days after the beginning of the relevant insurance period, or on or before a later date the Board may permit in any particular case; and

(b) in the manner the Board permits.

(4)  Despite any provision in the CPF Act, the Board is entitled to deduct from the amount standing to a person’s credit in that person’s medisave account, the whole or any part of the premium for a relevant insurance period, and any interest or penalty imposed on an insured person under section 23 or 29 in respect of that premium, that —

(a) is payable by that person, being an insured person; or

(b) may, in circumstances prescribed, be payable by that person.

(5)  The Board may waive the whole or any part of any premium, penalty or interest on late payment that is payable by, or on behalf of, an insured person.

Refund of premium

15.—(1)  Where the whole or any part of the premium paid by or on behalf of an insured person is liable to be refunded under this Act, the amount may be refunded —

(a) to the insured person in such manner as the Board may determine, including by paying into the insured person’s account in the Central Provident Fund; or

(b) to such other person in such manner as the Board may determine, including by paying into such other person’s account in the Central Provident Fund.

(2)  The Board is entitled to recover on behalf of the Government from any amount which is liable to be refunded under this Act to a person in subsection (1)(a) or (b) —

(a) any Government grant for the payment of the person’s premium; and

(b) any interest which the person is liable to pay the Government under the terms of the Government grant.

(3)  Where a person who has paid in cash any sum towards the person’s premium for any insurance period (called in this section a relevant person), whether for the relevant person or for any other person, dies before the start of that insurance period, and the sum does not exceed such amount as the Minister may, by notification in the Gazette, specify —

(a) the Board may pay to a proper claimant the whole or any part of the sum, as the Board may determine; and

(b) the receipt by the proper claimant is a proper discharge of the Board’s duties for the payment to the proper claimant under paragraph (a).

(4)  Subsection (3) does not affect any recourse which any person may have against a proper claimant for an amount paid to the proper claimant under subsection (3)(a).

(5)  In this section —

“child” means a legitimate child and includes any child adopted by virtue of an order of court under any written law for the time being in force in Singapore, Malaysia or Brunei Darussalam;

“parent”, in relation to a relevant person, includes —

(a) an adoptive parent of the relevant person;

(b) a step-parent of the relevant person; or

(c) a guardian, or any person who has the actual custody, of the relevant person;

“proper claimant” means a person who —

(a) claims to be entitled to a sum mentioned in subsection (3) on the death of a relevant person, as personal representative of the relevant person; or

(b) claims to be entitled (whether for the person’s own benefit or not) to a sum mentioned in subsection (3) on the death of a relevant person, being the widower, widow, child, grandchild, parent, brother, sister, nephew, niece, grandparent, uncle or aunt of the deceased relevant person.

PART 6

CLAIMS AND PAYOUTS

Claim

16.—(1)  Despite any provision in the Mental Capacity Act 2008, an insured person may receive benefits under the CSHL Scheme or ESH Scheme if any of the following persons makes a claim in accordance with subsection (2) and the Administrator accepts the claim:

(a) in the case where the insured person lacks mental capacity — an authorised applicant;

(b) in any other case —

(i) the insured person; or

(ii) a person authorised by the insured person to make a claim on behalf of the insured person.

(2)  A claim must —

(a) be in the form and manner required by the Administrator; and

(b) be accompanied by any document or information that the Administrator requires to decide whether to accept the claim.

(3)  In deciding whether to accept a claim, the Administrator may —

(a) carry out such inquiries and investigations in relation to the claim as are necessary for a proper consideration of the claim;

(b) request that the insured person or claim applicant provide, within a specified time, any additional information that the Administrator requires for a proper consideration of the claim; and

(c) require that the insured person attend a disability assessment by an assessor.

(4)  The Administrator may refuse a claim —

(a) if the insured person is not severely disabled;

(b) if the claim is not made in accordance with this section;

(c) if the insured person or claim applicant does not comply with the Administrator’s request or requirement (as the case may be) under subsection (3); or

(d) if the insured person’s severe disability arises from one or more such events or occurrences as may be prescribed.

Disability assessment

17.—(1)  The Minister may, subject to such conditions as the Minister may impose, approve one or more individuals having the necessary qualifications to be assessors to conduct, and report on, disability assessments under this Act.

(2)  An assessor may charge a fee, not exceeding such amount as may be prescribed, for every disability assessment that the assessor conducts in respect of a person.

Payment of insured sum

18.—(1)  Subject to the provisions of this section, where a claim is accepted by the Administrator under section 16, the Board may pay an insured sum under the CSHL Scheme or ESH Scheme (as the case may be) to the following persons:

(a) for a claim mentioned in section 16(1)(a) —

(i) the insured person; or

(ii) an approved payee (who may be the authorised applicant) nominated by the authorised applicant, in the form and manner required by the Administrator, to receive the insured sum on behalf of the insured person;

(b) for a claim mentioned in section 16(1)(b) —

(i) the insured person; or

(ii) an approved payee nominated by the insured person, in the form and manner required by the Administrator, to receive the insured sum on behalf of the insured person.

(2)  A payment under subsection (1) may —

(a) be subject to such conditions as the Board may impose;

(b) start for the month that the claim is accepted or such other month as may be determined by the Administrator; and

(c) be made in the manner in subsections (3) and (4).

(3)  A payment to the insured person under subsection (1) may be made by paying to the insured person’s account in the Central Provident Fund or in such other manner as the Board may determine.

(4)  A payment under subsection (1) to a person other than the insured person may be made in such manner as the Board may determine.

(5)  A payment by the Board to a person mentioned in subsection (1) is a proper discharge of the Board’s and Administrator’s duties under this Part.

(6)  Subsection (5) does not prevent the Board from making one or more payments of the insured sum to —

(a) an insured person; or

(b) another approved payee mentioned in subsection (1)(a)(ii) or (b)(ii), as the case may be,

where there has been a misuse of any benefits for which an offence is committed under section 50.

(7)  Despite section 12(3)(b), the Board may continue to make payment under this section of any insured sum to, or for the benefit of, an insured person mentioned in section 12(3)(b) until the completion of the insured person’s next periodic disability review mentioned in section 21.

(8)  An approved payee mentioned in subsection (1) who receives any insured sum on behalf of an insured person may, in such circumstances as may be prescribed, pay the whole or any part of the insured sum to the insured person’s account in the Central Provident Fund.

(9)  Despite any provision in the CPF Act, the Board may, in such circumstances as may be prescribed, allow the withdrawal by such person or persons as may be prescribed of the whole or any part of any insured sum paid to the insured person’s account in the Central Provident Fund under subsections (3) and (8).

Deferment or suspension of payment

19.—(1)  The Board may defer or suspend, for such period or further period as the Board may determine, the payment of an insured sum under section 18 in the circumstances prescribed.

(2)  At the end of every period or further period of deferment or suspension (as the case may be) mentioned in subsection (1), the Board has to resume payment of the insured sum for the month immediately after the month in which the deferment or suspension ends and may restore the whole or any part of the insured sums payment of which was deferred or suspended, as directed by the Administrator.

(3)  Where the payment of an insured sum has been deferred or suspended under subsection (1) for a continuous period exceeding a period prescribed and has to be deferred or suspended further, the Board may, instead of further deferring or suspending the payment, determine to stop payment entirely and request that the insured person make a new claim.

Protection of payouts

20.—(1)  Despite any other written law, all benefits (including goodwill sums) that are paid to an insured person, or for the benefit of an insured person, under the CSHL Scheme or ESH Scheme —

(a) are not assignable or transferable, and not liable to be attached, sequestered or levied upon for or in respect of any debt or claim;

(b) are excluded from any set‑off of any nature for any debt owing by the insured person or any person who receives the benefits on behalf of the insured person, except as provided in subsection (2);

(c) if the insured person, or any person who receives the benefits on behalf of the insured person, is adjudicated a bankrupt by a court —

(i) do not pass to the Official Assignee on the bankruptcy of the insured person or that person, as the case may be; and

(ii) are deemed not to form part of the property of the insured person or that person, as the case may be.

(2)  Subsection (1)(b) does not apply to the set‑off of —

(a) any debt due to the Fund; and

(b) any debt arising from the care of the insured person and due to the healthcare institution that is an approved payee receiving the benefits on behalf of the insured person who is receiving care from the healthcare institution.

Periodic disability review

21.—(1)  The Administrator may, from time to time, conduct a disability review in respect of an insured person receiving an insured sum under the CSHL Scheme or ESH Scheme, or for whose benefit an insured sum is being paid under the CSHL Scheme or ESH Scheme.

(2)  For the purposes of a disability review under subsection (1) in respect of an insured person, the Administrator may —

(a) carry out such inquiries and investigations in relation to the health condition of the insured person and all other relevant circumstances of the case;

(b) request that the insured person, or the claim applicant on behalf of the insured person, provide within a specified time any information that the Administrator requires; and

(c) require that the insured person attend a disability assessment by an assessor.

(3)  The Board may stop payment of any insured sum to, or for the benefit of, an insured person if the Board is informed by the Administrator that the insured person or claim applicant on behalf of the insured person (as the case may be) fails to comply with a request or requirement under subsection (2).

(4)  The Board may, in such circumstances as may be determined by the Administrator —

(a) resume the payment of an insured sum stopped under subsection (3); and

(b) pay to, or for the benefit of, the insured person the amount, or any part of, any insured sum (with or without interest) that was not paid because of the stoppage under subsection (3).