Using Your Health Insurance

We believe in being clear and transparent about hospital billing and health insurance to ensure you have a seamless and pleasant experience throughout your stay with us.

Find out how you can use insurance to cover your Mount Elizabeth Hospitals medical bills.

Health insurance plans accepted at Mount Elizabeth Hospitals

We accept both local and international healthcare insurance policies to cover your bills for hospital treatments and follow-up care. Be assured as you seek treatment at our facilities and recover with peace of mind.

If you have an integrated shield plan and a full rider that covers you for private hospitals, you may be eligible for our Cashless Service. With this service, you can be admitted for treatment at Mount Elizabeth Hospitals with no payment needed at admission or discharge.

Find out more:

How to use your insurance

Here is what you need to know about the insurance process before admission at Mount Elizabeth 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 Mount Elizabeth Hospitals.

You can also call or WhatsApp Parkway Insurance Concierge at +6598340999 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 Mount Elizabeth 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:

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 Mount Elizabeth Hospitals.

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 Mount Elizabeth 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.

Have questions about insurance?

Insurance coverage, referrals and appointments

Contact Parkway Insurance Concierge to find out about integrated shield plan coverage, referrals to panel doctors and booking an appointment. Call or WhatsApp +65 9834 0999.

Billing, Cashless Service and claims enquiries

Call +65 6812 3776 or WhatsApp +65 8799 7787.

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An integrated shield plan rides on top of your existing MediShield Life Plan to provide additional coverage for Class B1 or A wards in restructured hospitals and private hospitals. However, if you have an Integrated Shield Plan without rider, you will be entitled to pay for your deductible and co-insurance before the insurer pays the remainder of the bill.

A full rider can further deduct your out-of-pocket costs to 5% of the total bill size, and can even be capped at $3,000 if you go for the insurance company’s panel doctor, get pre-authorisation, or both.

To make an integrated shield plan claim for your treatment, you only need to inform our hospital staff that you wish to do so, and the hospital will submit the claims for you.

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If you have international health insurance coverage with credit facility with our hospitals, you can use it to pay your private hospital bill. These health insurance plans provide the option of being treated in Singapore or in another country within your zone of cover.

Such international insurance plans include those from BUPA, Cigna, Aetna, Allianz.