What you need to know.
Remember to present your MHS membership card and your identity card when visiting our panel doctor, panel private specialists or specialists at government/restructured hospitals.
You will need to bring your referral letter from the panel doctor during your first visit to our panel private specialists or specialists at government/restructured hospitals.
To view the list of panel doctor and panel private specialists under your plan, log in here.
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It usually takes 14 working days to process your claim once all documents are received. For claims which require further clarification, we will need more time to process your claim. For such cases, we will keep you informed.
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Additional benefits when you seek treatment from a specialist within our Panel. Our List of appointed panels and preferred partners will be updated periodically. Please find our latest list of panel specialist or preferred partner here.
1
Prepare the required documents and complete the claim form
Required documents
- Final medical bills and receipts
- 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
- CPF MediSave Statement showing Hospital Registration Number (HRN), for those bill(s) fully/partially paid using MediSave
Claim forms
2
Send us your documents and claim form
If you are unable to submit with the MHS (Outpatient Care) eSign claim form, please email to us at healthcare@income.com.sg
- 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. - Unless you have submitted the original document to us, you are required to keep the original medical bills/receipts for six months as we may request for them for verification prior to/post settlement of your claim.
Information is correct as at 23 September 2025.
Your queries answered.
Can I claim for medical bills incurred at a Traditional Chinese Medicine (TCM) clinic?
No, you will not be able to make such a claim.
Can I claim for medical bills incurred for my physiotherapy sessions?
No, you will not be able to make such a claim.
Can I make a claim for vitamins and supplements prescribed by the doctor?
No, you will not be able to make such a claim. Vitamins and supplements are considered as supplementary medications regardless whether they are prescribed by the doctor.
If it is a follow-up visit to the panel doctor or panel specialist clinic, do I need to complete a claim form again?
Yes, you will still need to complete and sign a new claim form for your follow-up visit.
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