Group Insurance - Employee Benefits
Group Insurance CLAIMS
We are committed to keeping the claim process as swift and convenient as we can to help you through difficult times.
What you need to know.
Your claims should be submitted within 60 days from the date of insured incident.
You should always check with your company/organisation to verify the type of benefits covered under your plan.
All relevant documents and information must be submitted together with your claims.
It usually takes 14-30 working days to process your claims after all required documents are received.
For i-MediCare policyholders:
Required documents
To submit the claim, you must be the insured’s closest next-of-kin.
Claimant | Documents Required |
Spouse | Marriage certificate |
Parent | Birth certificate of deceased |
Child | Birth certificate of claimant |
Sibling | Birth certificates of deceased and claimant |
Claim forms
Required documents
To submit the claim, you must be the insured’s closest next-of-kin.
Claimant | Documents Required |
Spouse | Marriage certificate |
Parent | Birth certificate of deceased |
Child | Birth certificate of claimant |
Sibling | Birth certificates of deceased and claimant |
All documents submitted must be in English. Any documents in foreign languages must be officially translated to English by a certified translator/interpreter.
Claim forms
Required documents
Claim forms
Required documents
Claim forms
Required documents
Depending on your plan, your hospitalisation or surgery bills can be paid with the following methods:
For claims under Group Hospital & Surgical Policy / Employee FlexCare Policy, Employee Benefits Policy / WorkMedic Policy / i-MediCare (Inpatient)
For plans that cover Group Hospitalisation Benefit
Claim forms
Required documents
Claim forms
Required documents
Disability or fracture benefit
For medical expenses claims
Please note that the list of documents above is not exhaustive. Other documents may be requested if necessary.
Claim forms
Required documents
Claim forms
Please email your completed claim form and documents to the authorised personnel of your company/union/association.
They will forward your claim to us via groupclaim@income.com.sg for processing on your behalf.
Ensure that the overall size of your email attachment(s) does not exceed 30MB.
For medical claims, keep the original medical bills/receipts for six months as we may request for them on case-by-case basis prior to settlement of the claim.
To receive payments as quickly as possible, opt for Direct Crediting under the Payment section in the claim form.
Footnotes
Information is correct as at 13 December 2023.
Your queries answered.
You are encouraged to obtain the completed AMPS from your doctor(s) because it will speed up the process. The cost of the report should range from $100 to $300 (subject to prevailing GST and hospital fee charges. You may clarify with the hospital directly on the fee charges); the cost of this report is to be borne by you.
Where AMPS form specific to your condition is available in our website, you should use that specific AMPS for your doctor’s completion.
If you are unable to obtain the completed AMPS due to special reasons (e.g. suffering from a stroke and no available next of kin to assist with the AMPS application), we would be happy to do so on your behalf, upon your request and the cost of the report will be borne by you. However, please be informed that hospitals may take up to ten weeks to respond to our request.
There is no waiting period. However, because TPD means the inability to take part in any paid work for the rest of a person’s life, the insured must be certified by a registered medical practitioner to have been totally and permanently disabled for at least six months in a row.
A Court Order is required for claim payment if you are certified to be mentally incapacitated and unable to handle your financial affairs. A Court Order is a legal document which the Court grants to your next-of-kin or appointed person to handle your affairs on your behalf. If you had made a Lasting Power of Attorney (LPA) before the mental incapacity certification date, please forward a copy of the LPA document and a copy of the Donee’s identity card to us for our processing.
No, you will not be able to claim for outpatient treatments unless they meet the following conditions.
In the event that your bill has been fully settled under another medical policy, you will not be able to claim under your GHS Policy. However, if your bill is only partially settled, you can claim for the remaining amount or up to the policy limit as specified under your policy, whichever is lower.
We will pay according to the priority listed below.
1 Refers to IncomeShield or AIA’s HealthShield or Singlife Shield or Great Eastern’s SupremeHealth or Prudential’s PruShield.
You can claim provided there is an extension to cover TCM treatment. Please check with your Human Resource department for your benefit details.
You can claim provided there is an extension to cover physiotherapy treatment. Please check with your Human Resource department for your benefit details.
No, you will not be able to make such a claim. Vitamins and supplements are considered as supplementary medications regardless of whether they are prescribed by the doctor.
Yes, you will still need to complete and sign a new claim form for your follow-up visit.
In the event that your bill has been fully settled under another medical policy, you will not be able to claim under your Group i-MediCare Policy. However, if your bill is only partially settled, you can claim for the remaining amount or up to the policy limit as specified under your policy, whichever is lower.
We will pay according to the priority listed below.
1 Refers to IncomeShield or AIA’s HealthShield or Singlife Shield or Great Eastern’s SupremeHealth or Prudential’s PruShield
Let us help you.