Frequently Asked Questions

If your company/ insurer has a credit facility with the hospital, your employer/ insurer may send us a Letter of Guarantee (LOG) upon your admission. Depending on the policy of your medical benefits, you may need to sign the Medisave Authorisation Form or even pay a portion of the bill by cash upon discharge.

The hospital will send the final bill to your company/ insurer after your discharge.

If your company/ insurer does not issue a LOG, you need to settle the bill in full by Medisave and/or cash upon discharge. The hospital will send you a final bill which may be used to submit to your company/ insurer for claims.

A Letter of Guarantee (LOG) is a letter from your company/ insurer to the Hospital stating the amount the company/ insurer is paying for the patient, co-payment required from patient (if any) and other terms and conditions. The hospital will then bill your company/ insurer accordingly. Whether you need to settle the bill upon discharge will depend on the terms and conditions of your policy as stated in the LOG. Please note that the hospital has the right to reject a LOG if the company/ insurer does not have a credit facility with us.

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:

• AlA Singapore
• Aviva
• Great Eastern Life
• HSBC Life (Singapore) Pte. Ltd.
• NTUC Income
• Prudential Assurance

For more information on MediShield Life and IPs, you can visit www.medishieldlife.sg.

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.

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).

Admission

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.

Inflight

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.

Discharge

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.

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.

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

If you have made payment during the stay and your insurer covers the bill in full, any excess amount will be refunded to you when your bill is finalised. 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.

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.

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.

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.

You can apply for the Baby Bonus online at https://www.babybonus.msf.gov.sg using your Singpass account. Please make sure you have the following documents ready to complete application :

1. Bank Account Holder’s account details to receive the cash gift
2. Personal particulars of the Bank Account Holder and CDA Trustee, if they are a third party (i.e. not the child’s parent)
3. Adoption Order and Schedule (if your child is adopted)
4. Marriage Certificate (for overseas marriage)

For more information, please visit http://www.ifaq.gov.sg/BBSS/apps/fcd_faqmain.aspx or visit the official website at https://www.babybonus.msf.gov.sg/parent/index.html.

All parents, regardless of their immigration or marital status (with or without Singpass), must register the birth of their child via the LifeSG app within 42 days.

Please visit https://www.life.gov.sg/#ways-we-help for more information on this service or download the app to use the service now.

Download

Please visit Register your child’s birth | LifeSG – Services to find out more on the required documents. All parents must register the birth of their child via the LifeSG app within 42 days.

Register your child’s birth | LifeSG – Services Every baby born in Singapore must be registered within 42 days from the date of birth. Registration costs S$18 per child, and the child will be issued with a digital birth certificate. www.life.gov.sg

You need to inform the Business Office that you are insured under the scheme and you wish to make a claim. We will submit your claim to CPF Board after your discharge. After determining the amount payable from Medishield, CPF Board will make payment directly to us. We will send you a final bill indicating the MediShield claims. If there is any reimbursement, patients will be refunded.

Yes. You are allowed to claim an additional $900 from Medisave for antenatal care if you submit your antenatal receipts to us during admission. This will be used to offset your hospital charges.

In order for Medisave to cover for your hospital bills, you must be hospitalised for at least 8 hours.

For inpatients, Medisave covers up to $450 per day ($400 for hospital charges, $50 for doctors’ daily attendance fees).

For day surgery, Medisave covers up to $300 ($270 for hospital charges, $30 for doctor’s attendance fee).

The use of Medisave for psychiatric treatment is subject to a withdrawal limit of $150 per day and a maximum of $5,000 per year.

For delivery, please note that for the 5^th and subsequent child, the parents will need to have a combined Medisave balance of at least $15,000 at the time of delivery.

Medisave can be used for Medisave account holders or their dependants. Dependants refer to spouse, children, parents and grandparents. Grandparents must be Singaporeans or Singapore Permanent Residents.

You need to give authorization to the Business Office to deduct from Medisave. The form can be obtained from the Business Office. If you are a Singapore Citizen / PR, you need to produce your NRIC. If you are a foreigner, you need to give us your CPF Membership number.

Medisave can be used for the following hospital charges:

• Daily ward charges
• Doctor’s fees
• Surgical operations including the use of operating theatres; and in-patient charges for medical treatment, investigations, medicines, rehabilitation services, medical supplies, implants and prostheses introduced during surgery

Note: For a hospitalisation claim, the patient must have stayed in the hospital for at least 8 hours (unless the patient is admitted for day surgery).

If you are claiming from Medisave or paying the bill fully by cash, you will receive the final bill within 10 days from the day you are discharged from hospital. If you are claiming from MediShield / PMI, the final bill will only be sent to you after all claims are processed, which takes about 1 month. Please note that processing of claims may take longer if the insurer requires clarifications on the medical claims.

The deposit will be used to offset your hospital bill. If the deposit is more than the Final Bill size, any excess amount will be refunded to you when your bill is finalised. Otherwise, you will need to top up the balance.

For maternity cases, the deposit will depend on the type of delivery package. Please click HERE for details.

For transfer/evacuation cases, the deposit will be the higher of 80% of the 90^th percentile of the estimated hospital charges on admission or $50,000.

An initial deposit is payable upon admission. This will be based on

• 50% of the 90^th percentile of the estimated hospital charges on admission
• 80% of the 90^th percentile of the estimated charges for Neurosurgery, Cardiosurgery and NICU cases on admission

Payment at Business Office (open 24 hours everyday): By cash, cheque, NETS or credit card.

Payment by Phonelink: If you hold a Visa, MasterCard or American Express credit card, all you need to do is to give us the authorization and provide us your card number and expiry date. We will then deduct the outstanding amount from your card.

Funds transfer via ATM, Internet Banking and iNETS Kiosk: You may obtain our bank account number from our staff at Business Office for funds transfer. However you need to inform our staff the bill number and the amount you are paying after you have done the transfer in order for us to update your records.

A typical hospital bill may include accommodation, laboratory tests, diagnostic imaging services, use of the operating theatre, equipment usage, medicines, nursing services, doctors’ professional fees and anaesthetist fees.

You will be given financial counselling on the estimated hospital bill upon your admission. Your actual bill will depend on the type of accommodation, estimated length of stay, diagnosis, type of operation and procedures ordered by your doctor upon admission.

For deliveries, click here for our maternity package details