What you need to know.

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1

Tell us what you would like to claim for

2

Things to ensure before your visit to the clinic/hospital

3

Prepare the required documents and complete the claim form

Death in Singapore
Required documents

To submit the claim, you must be the insured’s closest next-of-kin.

  • Certified true copy of death certificate
  • NRIC or relevant identification documents (e.g. passports, birth certificates)
  • Proof of claimant's relationship with deceased individual
ClaimantDocuments Required
SpouseMarriage certificate
ParentBirth certificate of deceased
ChildBirth certificate of claimant
SiblingBirth certificates of deceased and claimant
  • Last will of the deceased, if any
  • Newspaper clipping and police report (for deaths due to accidental or violent causes)

Claim forms

Note: Claim forms under NTUC GIFT must be endorsed and submitted by your union or association.

Death overseas
Required documents

To submit the claim, you must be the insured’s closest next-of-kin.

  • Certified true copy of death certificate
    (The original death certificate must be certified by your lawyer or any notary public.)
  • Letter from Immigration and Checkpoint Authority (ICA)
    (This letter is issued by ICA for Singaporeans or Permanent Residents who died overseas. It confirms receipt of the Singapore IC, passport and overseas death certificate.)
  • Repatriation report (if body was repatriated to Singapore for cremation/burial)
  • NRIC or relevant identification documents (e.g. passports, birth certificates)
  • Proof of claimant's relationship with deceased individual
ClaimantDocuments Required
SpouseMarriage certificate
ParentBirth certificate of deceased
ChildBirth certificate of claimant
SiblingBirth certificates of deceased and claimant
  • Last will of the deceased, if any
  • Newspaper clipping and police report (for deaths due to accidental or violent causes)

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

Note: Claim forms under NTUC GIFT must be endorsed and submitted by your union or association.

Disability (total or partial)
Required documents
  • Disability claim form (either for NTUC GIFT or for other plans)
  • Attending Medical Practitioner's Statement, to be completed by the claimant and the attending physician
  • Medical reports, investigations reports, laboratory reports and hospital discharge summary
  • Medically boarded out letter, if any
  • Newspaper clipping and police/accident report, if applicable
  • NRIC or relevant identification documents (e.g. passports, birth certificates)


Claim forms

Note: Claim forms under NTUC GIFT must be endorsed and submitted by your union or association.

Hospitalisation
Required documents

Depending on your plan, your hospitalisation or surgery bills can be paid with the following methods:

  • Cash or credit card
  • CPF Medisave account
    • Upon admission, please sign the forms for the CPF Medisave Deduction, if any.
  • CPF MediShield or Medisave-Approved Integrated Shield Plan 
    • If you are covered under such a plan, please inform the hospital and ensure that the forms for filing under your plan are signed.

For claims under Group Hospital & Surgical Policy / Employee FlexCare Policy, Employee Benefits Policy / WorkMedic Policy / i-MediCare (Inpatient)

  • Original final hospital/medical bills and receipts 
  •  Hospital discharge summary
  • Medical reports, if any
  • Copy of reimbursement letter/discharge voucher from previous reimbursement, if any.
  • For WorkMedic Policy only: Copy of employee’s Work Permit or S-Pass


For plans that cover Group Hospitalisation Benefit

  • Copy of final hospital/medical bills 
  • Hospital discharge summary

Claim forms

Dental expenses
Required documents
  • Original final tax invoices, bills and receipts
  • Copy of settlement letter/ discharge voucher from a third party or other insurer which you have claimed from, if any.

Claim forms

Personal Accident
Required documents

Disability or fracture benefit 

  • Accident claim form
  • Attending Medical Practitioner's Statement, to be completed by the claimant and the attending physician
  • Medical reports, investigations reports, laboratory reports and hospital discharge summary
  • Medically boarded out letter, if any (TPD only)
  • Newspaper clipping and police/accident report, if applicable


For medical expenses claims

  • Medical claim form
  • Original final medical bills and receipts[1]
  • Hospital discharge summary (if there is hospitalisation/surgery)
  • Medical reports, if available
  • Police report, if any
  • Copy of reimbursement letter/discharge voucher from previous reimbursement, if any

Please note that the list of documents above is not exhaustive. Other documents may be requested if necessary.


Claim forms

Outpatient expenses
Required documents
  • Original final tax invoice(s)/receipts(s)[1] 
  • Medical reports, if available
  • Copy of referral letter if you are claiming for a specialist visit
  • Copy of the attending physician’s prescription if you are claiming for purchase of drugs

Claim forms

4

Send us your documents and claim form

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

  1. How to tell if your hospital/medical bills are original and final:
    a. The bill is a final bill, not an estimated or interim bill.
    b. The bill is an original copy, not a duplicate or a photocopy/scanned copy.
    c. There is no outstanding amount due to the medical institution.
    d. The amount covered by Medisave is approved, if applicable.
    e. The amount covered by MediShield / your Private Shield plan is reflected on the bill, if applicable.

Information is correct as of 26 August 2020.

Your queries answered.

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.

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.

Let us help you.

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