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) |
- Room and board fees - ICU / HDU stays - Doctor/surgeon consultation fees - Surgery and operation costs - Anaesthetist fees |
|
Pre-Hospitalisation* |
- Specialist consultations - Diagnostic tests (e.g., MRI, CT scans, blood tests) - Pre-admission investigations |
|
Post-Hospitalisation* |
- Follow-up consultations - Medications - Physiotherapy and rehabilitation |
|
Emergency Treatments |
- A&E services (if hospital admission follows) - Some plans cover outpatient A&E |
|
Day Surgery |
- Minor procedures done at day surgery centres |
|
Maternity-Related |
- Complicated deliveries (e.g., emergency C-section) - Hospital stays due to pregnancy complications - IVF treatments |
|
Cancer Treatment |
- Chemotherapy - Radiotherapy - Immunotherapy |
|
Kidney Dialysis |
- Dialysis sessions |
|
Outpatient Specialist Treatments |
- Specialist consultations - Minor outpatient procedures |
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.
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.
