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

Contact your insurance provider or agent to find out the amount of coverage your Integrated Shield Plan provides for your treatment at our hospitals.

You can also call or WhatsApp Parkway Insurance Concierge at +65 9834 0999 to find out about Integrated Shield Plan coverage, referrals to panel doctors and booking an appointment.

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.

Cashless Service - pay nothing upfront

With the Cashless Service, you can be admitted for treatment at our hospitals with no payment needed at admission or discharge.

What you will need

To be eligible for cashless hospitalisation, you will need:

• Integrated Shield Plan for private hospitals (active for more than 1 year)
• A full rider
• Singapore Citizen or Permanent Resident status
• Estimated bill size of S$30,000 or less - estimate your bill

Start your cashless application

To find out more or to start your cashless application, you can:

• Call +65 6812 3776
• WhatsApp +65 8799 7787
• Email askme@parkwaypantai.com

You should start your application at least 7 days before admission.

How your hospital bill could be fully covered with insurance

Learn how you can use your hospital insurance plan to be fully covered for treatment and pay minimal or $0 at our hospitals.

Get an approximation of your out-of-pocket medical expenses for common surgical procedures with our Hospital Bill Estimator.

Here are two examples:

Peter, 55, cataract surgery

• Peter is a 55-year-old Singapore citizen who underwent a cataract surgery in a day procedure.
• With an Integrated Shield Plan that covers private hospitals, Peter only had to pay $0 or a portion of the total bill, depending on which plans he had.

Jenny, 34, ovarian cyst removal surgery

• Jenny is a 34-year-old Singapore citizen who underwent a surgery to remove ovarian cysts and was hospitalised for 2 days in a standard single room.
• With an Integrated Shield Plan that covers private hospitals, Jenny only had to pay $0 or a portion of the total bill, depending on which plans she had.

Note:

• Terms and conditions apply. Valid for full riders purchased before 1 April 2019.
• Estimated bill and average length of stay are calculated based on historical data and serves only as an estimate. Estimated bill is taken at the 75th percentile which means that 75% of the patients are charged below the amount. Bill size will differ depending on severity of condition and other factors. In the event of any dispute, the decision of our hospitals is final.
• These scenarios are based on selecting insurance panel doctors and obtaining pre-authorisation your insurance provider. The Co-Pay rider benefits may differ depending on your rider plan. Please check with your health insurance provider to confirm your coverage and for the most accurate out-of-pocket costs.

For more helpful information on all things related to health insurance in Singapore, visit HealthInsured.sg.