Frequently Asked Questions

Disability Claim - Total and Permanent Disability (TPD)
  • Q:Can you obtain the Attending Medical Practitioner’s Statement (AMPS) from the doctor on my behalf?

    A:

    No, you are encouraged to obtain the completed AMPS from your doctor(s) because it will speed up the process. We can reimburse you the cost of the report if you provide us with the original receipt. The cost of the report should range from $80 (subject to prevailing GST) and up.

    If you are not able to obtain the completed AMPS due to special reasons (e.g. suffering from a stroke), we would be happy to assist you to obtain the AMPS form from your doctor on your behalf. However, you should understand that hospitals may take up to eight weeks to respond to our request.

  • Q:Is there a waiting period before I can make a TPD claim?

    A:

    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.

  • Q:What if I am mentally incapable of handling money?

    A:

    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.

Hospitalisation Claim - Group Hospital & Surgical (GHS) Policy
  • Q:Can I claim for my outpatient bills?

    A:

    No, you will not be able to claim for outpatient treatments unless they meet the following conditions.

    • Specialist outpatient/diagnostic tests that are related to your hospitalisation/day surgery incurred within 90 days prior to or after your hospitalisation/day surgery
    • Emergency outpatient treatments – Treatments given within 24 hours of the accident for your injuries arising from an accident
    • Outpatient treatments that are specified as covered in the policy contract
  • Q:If I am claiming from another medical policy, can I still claim from my Group Hospital & Surgical policy?

    A:

    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.

  • Q:How will I receive my claim payout?

    A:

    We will pay according to the priority listed below.

    1. Payment to the hospital if there is any outstanding amount billed to us
    2. Cheque payment to you if you have settled the eligible medical bills by cash
    3. Payment to Medisave account indicated in the bill
    4. Payment to MediShield/your Medisave-approved Private Integrated Plan 1 (if applicable)

    1 Refers to NTUC IncomeShield or AIA’s HealthShield or AVIVA’s MyShield or Great Eastern’s SupremeHealth or Prudential’s PruShield.

Outpatient - Group i-MediCare Policy - Claim coverage
  • Q:Can I claim for medical bills incurred at a Traditional Chinese Medicine (TCM) clinic?

    A:

    You can claim provided there is an extension to cover TCM treatment. Please check with your Human Resource department for your benefit details.

  • Q:Can I claim for medical bills incurred for my physiotherapy sessions?

    A:

    You can claim provided there is an extension to cover physiotherapy treatment. Please check with your Human Resource department for your benefit details.

  • Q:Can I make a claim for vitamins and supplements prescribed by the doctor?

    A:

    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.

  • Q:If it is a follow-up visit to the panel doctor or panel specialist clinic, do I need to complete a claim form again?

    A:

    Yes, you will still need to complete and sign a new claim form for your follow-up visit.

Outpatient - Group i-MediCare Policy - Claim procedure
  • Q:If I claimed from another medical policy, can I still claim from my i-MediCare Policy?

    A:

    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.

  • Q:How will I receive my claim payout?

    A:

    We will pay according to the priority listed below.

    1. Payment to the hospital if there is any outstanding amount billed to us
    2. Cheque payment to you if you have settled the eligible medical bills by cash
    3. Payment to Medisave account indicated in the bill
    4. Payment to your Medisave-approved Private Integrated Plan 1 (if applicable)

    1 Refers to NTUC IncomeShield or AIA’s HealthShield or AVIVA’s MyShield or Great Eastern’s SupremeHealth or Prudential’s PruShield