Mount Alvernia Hospital accepts the use of Integrated Shield Plans (IPs) from Medisave-approved insurance for bill financing. Learn more about Integrated Shield Plans below.
What is a Medisave-Approved Integrated Shield Plan (IP)?
From 1 Nov 2015, all Singapore Citizens and Permanent Residents are covered under MediShield Life – a basic national health insurance plan administered by Central Provident Fund (CPF) Board. As its coverage is sized for subsidised treatment in public Hospitals, CPF members who wish to enjoy additional private insurance coverage can also use their Medisave savings to purchase Medisave-approved IPs.
Coverage for each IP may differ as it depends on the benefits that you have chosen. Participating insurers for IPs are as follows:
For more information on MediShield Life and IPs, click here.
How do I claim from Medisave-Approved Integrated Shield Plan?
You need to inform the Business Office staff that you are insured under the scheme and you wish to make a claim. You will be required to sign the authorisation form. We will submit your claim electronically after your discharge. After determining the amount payable from the private insurer, the private insurer will make payment directly to us. We will send you a final bill indicating the approved claims. If there is any reimbursement, patients will be refunded by cheque.
How do I know if I have an IP covered for Mt Alvernia Hospital?
You may contact your insurer prior to your admission to clarify if your IP can cover you for private hospitalisation. At the point of admission, our Business Office staff can also assist you in checking whether you have an IP after getting your authorisation on the Medical Claims Authorisation Form (MCAF).
If I have an IP, do I need to make any upfront payment for my Hospitalisation?
If you have an IP, our Business Office staff will assist you in applying for an eLOG (Letter of Guarantee)* at the point of admission after getting your authorisation. If you are eligible for eLOG and the amount is sufficient to cover the deposit required, no upfront payment is required.
In the event of extended length of stay, we can also help to apply for additional eLOG (applicable to certain insurers only)*. Similarly, no top-up deposit is required if the additional eLOG amount is sufficient to cover the revised estimated bill size.
On your discharge day, we will re-apply the eLOG if the actual bill size deviates from the initial estimation. Payment is required if your eLOG is unsuccessful or insufficient to cover the balance payable.
In summary, all IPs are on reimbursement basis. If your eLOG amount covers the deposit/balance payable required, you would not need to make any upfront payment to the Hospital.
* Approvals for eLOG/additional eLOG are subject to patients’ policies and insurers’ terms and conditions. There is generally a maximum limit for eLOG, and the amount varies across different insurers.
Can I check whether I am entitled to eLOG and the guaranteed amount before the actual day of admission?
From 1 September 2017, we will be able to assist you in applying for eLOG fourteen (14) days before your admission date. With the information, you may then prepare the necessary deposit/payment (if required) on the actual admission day.
What can I do if my request for eLOG is declined?
There are certain circumstances that eLOG is declined such as your plan falls within the applicable policy deductible. You may contact your insurer directly to clarify your policy benefits and entitlement.
How do I claim from my IP?
We will e-file* your claim electronically after your discharge. After assessing the amount payable from your insurer, the private insurer will make payment directly to us. You will receive a final bill indicating the approved claims in approximately 2 weeks to a month’s time.
* For inpatients, a minimum stay of 8 hours is required for claims to be e-filed
How do I know whether I have a refund or balance outstanding after my discharge?
If you have made payment during the stay and your insurer covers the bill in full, a refund cheque will be sent to you together with the final bill. On the other hand, if no or partial payment was made during the stay (depending on the eLOG amount), and the claim payout is insufficient to cover the bill in full, you would need to settle the balance outstanding.
After claiming from my IP, can I still claim from my company insurance?
If your bill has been e-filed to your IP insurer, you can submit your claims to your company insurer after receiving the final bill from us. Your company insurer will then reimburse to your IP accordingly.
Is the issuance of the eLOG an admission of any claim liability and / or claim approval by my insurer?
Issuance of eLOG does not mean that your insurer has approved the claim. The final payout is subject to their review and assessment when the Hospital e-files the claim after your discharge. The actual payout may deviate from the eLOG amount issued during your stay. You may wish to approach your insurer for their professional advice pertaining to your policies and claim payout.
Who can I contact for further information pertaining to my policy?
As policy details are confidential to policy holders, the Hospital is unable to obtain detailed information from your insurer pertaining to your policy. You may contact your insurer directly for their advice should you need further information pertaining to your policy or coverage.