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  • Mount Elizabeth

Hospital Bills & Insurance

    • Overview: Mount Elizabeth Hospitals bills

      Understanding hospital bills and the processes involved in making payments do not have to be a daunting experience for you and your loved ones. Mount Elizabeth Hospitals are committed to guiding you in this area in a clear and transparent manner to ensure you have a seamless and pleasant experience throughout your stay with us.

      Here we explain about the various insurance plans that can be used to cover your Mount Elizabeth Hospitals medical bills and the procedures involved to make your insurance claims.

      Call +65 6812 3776, WhatsApp +65 8799 7787, or fill in the form on this page to find out if your insurance plan covers you and your loved ones for Mount Elizabeth Hospitals.

      Call +65 6812 3776, WhatsApp +65 8799 7787, or fill in the form on this page to find out if your insurance plan covers you and your loved ones for Mount Elizabeth Hospitals.

    • Using your insurance for a Mount Elizabeth Hospitals bill

      At Mount Elizabeth Hospitals, we accept both local and international 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.

      Local and international health insurance plans

      Integrated Shield Plan for Singapore citizens and Permanent Residents

      An Integrated Shield Plan rides on top of your existing MediShield Life Plan to provide additional coverage for Class B1 or A wards, even for private hospitals. A full rider* completely covers the co-insurance and deductible components of the bill.

      All Singapore citizens and permanent residents are covered under the basic MediShield Life Plan. You can then opt to add-on the Integrated Shield Plan to cover your Mount Elizabeth Hospitals bills.

      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. Learn more about the Integrated Shield Plan.

      Insurance plans for expatriates

      Expatriates who do not have permanent resident status are not covered by the MediShield Plan and may instead have an international health insurance. These health insurance plans provide the option of being treated in Singapore or in another country within your zone of cover. You can use your international health insurance to pay your private hospital bill.

      Things to know before admission at Mount Elizabeth Hospitals

      Letter of Guarantee

      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 constitutes a waiver of deposit and can typically be issued for up to a total of $10,000. This amount may vary according to your Integrated Shield Plan. To clarify on the amount you can obtain for a waiver of deposit, please check with your insurance provider.

      Deposit of hospital bill during admission

      The admissions counter will collect the full deposit of the hospital bill upon admission, unless a Cashless application has been approved in writing 3 – 7 days before admission.

      Hospital bill collection upon patient discharge

      The hospital will collect the full amount of the hospital bill upon the patient’s discharge.

      Claiming your Mount Elizabeth 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 the patient to submit further paperwork. Most claims are fully reimbursed between 6 – 8 weeks.

      Call +65 6812 3776, WhatsApp +65 8799 7787, or fill in the form on this page to find out if your insurance plan covers you and your loved ones for Mount Elizabeth Hospitals.

      Call +65 6812 3776, WhatsApp +65 8799 7787, or fill in the form on this page to find out if your insurance plan covers you and your loved ones for Mount Elizabeth Hospitals.

    • Paying minimal or $0 for your Mount Elizabeth Hospitals bill

      Learn how you can use your insurance plan to be fully covered for treatment at Mount Elizabeth Hospitals.

      Here are some examples:

      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.

      Cataract Surgery
      (Day Surgery)
      Private Integrated Shield Plan with Full Rider* Private Integrated Shield Plan with Co-Pay Rider#
      Estimated Bill** $11,065 $11,065
      Deductible $0 $0
      Co-Payment#
      (5%, capped at $3,000)
      $0 $553.25
      (5% of $11,065)
      Your Out-Of-Pocket Costs# $0 $553.25

      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.

      Removal of Ovarian Cysts (Length of Stay: 2 days in a Standard Single Room) Private Integrated Shield Plan with Full Rider* Private Integrated Shield Plan with Co-Pay Rider#
      Estimated Bill** $26,480 $26,480
      Deductible $0 $0
      Co-Payment#
      (5%, capped at $3,000)
      $0 $1,324
      (5% of $26,480)
      Your Out-Of-Pocket Costs# $0 $1,324

      *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 the selection of insurance panel doctors and that pre-authorisation has been obtained from the insurance companies. The Co-Pay rider benefits may differ depending on your rider plan. Please check with your health insurance company to confirm your coverage and for the most accurate out-of-pocket costs.

      Call +65 6812 3776, WhatsApp +65 8799 7787, or fill in the form on this page to find out if your insurance plan covers you and your loved ones for Mount Elizabeth Hospitals.

      Call +65 6812 3776, WhatsApp +65 8799 7787, or fill in the form on this page to find out if your insurance plan covers you and your loved ones for Mount Elizabeth Hospitals.

    • Cashless Service

    • It’s possible at Mount Elizabeth Hospitals

      At Mount Elizabeth Hospitals, we are committed to delivering quality healthcare services to our patients. Our multidisciplinary team of specialists, nurses and allied professionals will guide you through the entire treatment and recovery process with care and professionalism.

      Patients can benefit from Mount Elizabeth Hospitals’ equipment and facilities. Our minimally invasive techniques reduce trauma and scarring while improving success rates. Computer-aided robotic surgery allows for added precision during surgical procedures.

      Take your first step towards better health today by making an enquiry or appointment with us, and experience the prompt, quality and customised healthcare that has made us one of the most trusted medical institutions in the Asia-Pacific.


      Call +65 6812 3776, WhatsApp +65 8799 7787, or fill in the form on this page to find out if your insurance plan covers you and your loved ones for Mount Elizabeth Hospitals.

      Call +65 6812 3776, WhatsApp +65 8799 7787, or fill in the form on this page to find out if your insurance plan covers you and your loved ones for Mount Elizabeth Hospitals.