How to use your insurance

Here is what you need to know about the insurance process before admission at our hospitals:

1. Check your coverage

Understanding your health insurance coverage is crucial before seeking medical treatment, as it helps you avoid unexpected out-of-pocket expenses. Check your coverage using the Coverage Checker on Health Insured. This tool allows you to see what health insurance you have and what your Integrated Shield Plan (IP) or rider, covers at hospitals.

Being informed in advance ensures a seamless admission and claims process, so you can focus on your health without the added stress of financial uncertainty.

Click here to check your health insurance coverage now.

2. Pre-authorise your treatment with your insurer

Pre-authorisation is always recommended for planned treatments. It can ease the claim process and may help you enjoy higher coverage. Where possible, we recommend that you seek pre-authorisation from your insurers before beginning treatment.

3. Obtain a letter of guarantee (eLOG)

Upon admission, please provide your identification number to our admission personnel. The letter of guarantee can be raised electronically through our system for the deposit.

The letter of guarantee is a waiver of part or all of the upfront cash deposit. It can typically be issued for up to $10,000, depending on your Integrated Shield Plan.

To confirm the amount you can obtain for a waiver of deposit, please check with your insurance provider.

4. Pay the deposit

Upon admission, you will need to pay the full deposit for your bill at the admissions counter, unless a Cashless application has been approved in writing 3 to 7 days before admission.

To use MediSave, Medishield Life, Integrated Shield Plan or a combination of these, you will be required to authorise the Medical Claims Authorisation Forms (MCAF). This can be done at our Business Office.

5. Pay the hospital bill at discharge

Depending on the terms of your LOG, we will collect the full amount of the hospital bill from you upon your discharge.

Find out more about paying your bill.

6. Claim your hospital bill

Your bill is typically submitted 3 working days post-discharge. The hospital bill is submitted via our electronic claims system and sent to your Integrated Shield Plan’s insurance provider directly for processing.

There is no need for you to submit further paperwork. Most claims are fully reimbursed in 6 to 8 weeks.

If there are out-of-pocket costs to be incurred, you may also use your MediSave, subject to claim limits and corporate insurance (if any) to offset your cash outlay.