Tragic to learn that MH370 had crashed with all passengers on board. My heart goes out to them and their family. What if they were never found, in that case the passengers are not considered dead under the dear and therefor would not be able to obtain a death certificate.
Without a death certificate the insured cannot be claimed and the balance in CPF account cannot be withdrawn and any property held with the missing person’s name cannot be sold.
Subsequently the family person would have to wait for seven years to make an application in court for him to be declared dead. Only then would a death certificate be issued and his affairs then be taken care of.