If you wish to apply for CareShield Life or any of the severe disability schemes, you need to undergo a severe disability assessment by an MOH-accredited severe disability assessor who has undergone a rigorous training programme to learn how to assess disability accurately. You may wish to check if your own doctor or healthcare professional is on the list of MOH accredited severe disability assessors. This can be found here. If they are not, you will need to make an appointment with one of the assessors on the list for an assessment.