Healthcare Coverage Made Clear and Simple
At Thomson Medical, we believe quality healthcare should be accessible, affordable, and centred around you.
We work with a wide range of insurance providers to offer you seamless, stress-free coverage. Our clear, upfront billing process helps you understand your coverage and costs.
What Can You Claim Under Insurance?
This list is a general guide of what you can claim. However, it depends on your individual insurance coverage. Please check with your insurance provider to confirm.
Category | What You Can Claim |
|---|---|
Hospitalisation (Inpatient) |
|
| Outpatient | Pre-Hospitalisation*
Post-Hospitalisation*
Day Surgery
Outpatient Specialist Treatments
|
Emergency Treatments |
|
| Screening and Treatments | Women's Health and Gynaecological Issues
Cancer Treatment
Kidney Dialysis
|
*For Pre & Post-Hospitalisation, please check with your individual insurance provider on up to how many days you are covered as it may differ with different insurance providers
What are the different payer types?
Payer Types | ||
|---|---|---|
| Self-Payment | MediSave | Insurance (e.g. MediShield Life, Integrated Shield Plans & Private Insurance) |
Self-payment
Self-pay medical means you pay for healthcare services directly, out-of-pocket, without using health insurance, either because you are uninsured or choose to pay for certain services yourself. This can invcolve services not covered by their insurance or for which they prefer to avoid insurance claims. Patients are responsible for the full cost, though some providers offer discounts or sliding scales for self-paying patients.
Self-payment can be done via:
- Credit Card (Visa, Mastercard AMEX)
- PayNow/PayLah
- AliPay
- WeChat Pay
- Etc.
It's better to check directly with your preferred healthcare providers to see what type of payments they accept if you are going to do self-payment.
MediSave
MediSave is a national medical savings scheme that helps individuals set aside part of their income to pay for their personal or approved dependants’ hospitalisation, day surgery and certain outpatient expenses, as well as their healthcare needs in old age.
MediSave withdrawal limits have been carefully set to ensure that Singaporeans have sufficient savings in their MediSave Account for their basic healthcare needs in old age. The withdrawal limits are generally adequate to cover most charges incurred at subsidised inpatient wards and outpatient treatments.
What can MediSave be used for?
To pay by MediSave, first determine what you are paying for: a medical bill or MediSave payable contributions. For medical bills at an accredited institution like a hospital or polyclinic, submit a signed MediSave Authorisation Form (MCAF) or MCAF(M) (for multiple claims) and your NRIC/Passport. For MediSave payable contributions, use the Manage your MediSave payable (MMSP) form on the CPF website or PayNow QR code.MediShield Life
MediShield Life is a basic health insurance plan, administered by the Central Provident Fund (CPF) Board, which helps to pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer. With MediShield Life, patients pay less through MediSave/cash for large hospital bills.
What can MediShield Life be used for?
To pay with MediShield Life, inform the medical institution that you want to make a claim; they will submit it on your behalf, and the payout will directly offset part of your bill, reducing your out-of-pocket expenses. You'll need to authorise them by completing a Medical Claims Authorisation Form (MCAF), which can often be done electronically via the HealthHub app, giving the institution permission to check your eligibility and process the claim.Who is eligible?
All Singapore Citizens and Permanent Residents, including the very old and those who have pre-existing conditions.
Integrated Shield Plans
To pay with an Integrated Shield Plan (IP), inform the medical institution staff that you want to claim from your IP and use your MediSave. The institution will submit a Medical Claims Authorisation Form (MCAF) on your behalf to get your coverage details from the CPF Board and private insurer. The insurer then pays the medical institution directly, with you paying the remaining co-payment and deductible amount.
Private Insurance
To pay with private insurance for medical services in Singapore, inform the medical institution staff of your Integrated Shield Plan (IP) and provide them with your policy details. The private insurer will process your claim directly with the medical institution and pay the relevant portion of the bill, possibly requiring you to pay a deposit or a remaining balance from your MediSave account or cash. You can also request a Letter of Guarantee (LOG) from your insurer to waive or reduce upfront cash deposits.
Different Types of Insurance
MediShield:
MediShield Life benefits are sized for subsidised treatment in public hospitals (e.g. treatments in Class B2/C wards). If you choose to stay in a Class A/B1 ward or in a private hospital, you are still covered by MediShield Life. However, you will find that your MediShield Life payout will cover a smaller proportion of your bill. You may need to draw from MediSave and/or cash to pay the balance. The maximum claim limit per policy year is set at $200,000 with no lifetime limit on the amount you can claim from MediShield Life.
If you plan to use your Medisave to settle your hospital bill, please complete and sign the Medical Claims Authorisation Form (MCAF). The Medisave account holder should bring their Identity Card for verification.
- For inpatient admissions, the maximum Medisave withdrawal limit for hospitalisation is S$450 per day.
- Medisave can also be used to cover surgical procedures, with withdrawal limits determined by the type of surgery.
This information was last updated in May 2025. Please visit the MOH MediShield Life page or the CPF's MediShield Life page to learn the most current fee structures and subsidy schemes.
Private Insurance:
Many insurers offer Integrated Shield Plans that enhance your MediShield Life coverage, potentially providing higher claim limits and broader coverage, including private healthcare expenses. Some IPs may offer claim limits of up to $1,500,000 annually.
Pre-authorisation:
- Some insurers require pre-authorisation for certain procedures, and failing to obtain it may result in a pro-ration factor being applied to your claim.
Co-payment:
- You may also have a co-payment, which is a percentage of the bill you need to pay, typically 5%
Co-insurance:
- If you have a co-insurance rider, it may cover your deductibles and co-insurance to reduce your out-of-pocket expenses.
How to Claim
Find a Specialist
Connect with your preferred panel doctor across a range of specialities, including O&G, Paediatrics, Dental, and Surgery.
While we strive to maintain this updated list of insurance panels, it is highly recommended that you verify the information with the clinic directly and/or your insurance provider for the latest information.
