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Mount Elizabeth Insurance Coverage

Bills & Insurance

  • Using your Insurance for a Hospitalisation Bill

    Gleneagles Hospital is an integrated tertiary private healthcare provider and we work with many insurance partners for coverage on hospitalisation bills. Gleneagles Hospital accepts bill financing from local and international private hospitalisation insurance and Medisave-approved Medishield, also known as ‘Integrated Shield Plans’.

    For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

  • Medishield Life & Integrated Shield Plans

    Medishield Life replaces Medishield on 1 November 2015. It covers Singaporeans and permanent residents who contribute to the Central Provident Fund (CPF), and covers an insured individual up to a Class B2 of C ward in public hospitals. You may utilise your Medisave to purchase additional private insurance coverage on top of your Medishield Life, thus translating to owning an Integrated Shield Plan (ISP). An Integrated Shield Plan, provided by a private insurer, gives the insured individual access to higher coverage in private hospitals. Gleneagles Insurance Coverage-Integrated Shield Plan/Medishield Life

    Source: CPF Board

    ISPs are provided by Medisave-approved private insurers and these private insurers also provide a ‘rider’ option to supplement your ISP. A rider is a monthly or annual cash premium add-on to your private ISP. It allows higher financial coverage for the compulsory cash payable portions of your Medishield Life-covered hospital bill. Having a ‘rider’ means that out-of-pocket payables (deductible and co-insurance) are reimbursed when you process your claims.

    If you have an ISP covered for ‘private hospitals as charged’ and have purchased a ‘rider’, it allows you to claim up to 90%* or more of your Gleneagles Hospital bill. See this infographic on how ISPs can cover your hospital bill.

    For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

    If you are covered by an ISP, private healthcare is now even more accessible. Make an appointment today with our specialists.

    Make an Appointment

    *Terms and conditions apply.

  • Integrated Shield Plans At One Glance

    To learn how your ISP can help cover your hospitalisation bills, see the below infographic for some examples illustrating common procedures and the Integrated Shield Plan reimbursable amounts.

    Gleneagles Estimated Bill Size Sample

    • Paying & Claiming Your Hospital Bill

      Knowing Your Coverage

      60% to 70% of people covered for private hospitalisation choose a lower class ward than what their insurance entitles them to¹.

      We know that understanding your ISP can be complicated. To help you understand your claim entitlements, bill breakdown, and cash outlay, please call the Gleneagles Bill Advisor at 6653 7566 or take a look at our infographic illustrating common procedures and Integrated Shield Plan reimbursable amounts.

      1Source: The Straits Times Singapore

      Pre-Admission – Before You are Admitted at Gleneagles Hospital

      • Letter of Guarantee

        Upon admission, please provide your identification number to our admission personnel at the Admissions Counter, Level 2. The letter of guarantee can be raised electronically through our system for the deposit.

        A letter of guarantee constitutes as a waiver of deposit, and can typically be issued for up to a total of S$10,000. This amount may vary according to your ISP. To clarify on the amount you can obtain for a waiver of deposit, please check with your insurance agent.

      • Deposit of Hospital Bill During Admission

        If you do not have a letter of guarantee, we require for collection of the full hospital bill deposit upon admission. If a patient requires a percutaneous transluminal angioplasty procedure, the estimated bill size for 4-bedded (projected at the 50th percentile) is S$18,404*. If the patient’s Letter of Guarantee covers the amount of S$10,000, the full deposit required upon admission will be S$8,404

        * For illustration purposes only. Actual costs may differ.

      • Hospital Bill Collection Upon Patient Discharge

        The hospital will collect the full amount of the hospital bill upon a patient’s discharge Using the same bill size above as an example, the outstanding balance upon discharge will be S$18,404*. As mentioned above, a letter of guarantee is a waiver of deposit, and does not act as a waiver for the outstanding balance upon discharge.

        * For illustration purposes only. Actual costs may differ.

      • Processing Your Gleneagles Hospitalisation Bill

        Your Gleneagles Hospital bill is typically submitted 3 working days post-discharge. The hospital bill is submitted via our electronic claims system, and is sent to your insurance provider directly for processing. There is no need for the patient to submit further paperwork. Most claims are fully reimbursed between 6 – 8 weeks.

        For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

    • Local & International Insurance

      Integrated Shield Plans

      There are currently 6 main providers of Integrated Shield Plans:

      • AIA Health Shield Gold Max
      • Aviva MyShield
      • Great Eastern SupremeHealth
      • NTUC Enhanced IncomeShield
      • Prudential PRUShield
      • AXA Shield (from 1 May 2016)

      The coverage of each Integrated Shield Plan may differ – it depends on the policy chosen.

      For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566. You can also call your insurance agent to clarify if your Integrated Shield Plan covers you for private hospitalisation.

      Various local and international health insurance plans have varying coverage for admissions to private hospitals. A sample list of international and platinum health insurance policies that are accepted at Gleneagles Hospital are:

      • Cigna
      • Bupa Global
      • Aetna
      • AIA Platinum Health
      • AXA GlobalHealth Plan

      Please check with your insurer or agent on your coverage, extent of coverage for your surgery expenses and whether there is a credit arrangement with Gleneagles Hospital. If yes, with a valid letter of guarantee (if applicable), you may only be required to make payments pertaining to deductibles, co-payments and non-covered fees.

      *Please note that we are unable to accept a letter of guarantee from any company or insurance company that does not have prior credit arrangements with Gleneagles Hospital.

    • Frequently Asked Questions

      • How do I know if I have an Integrated Shield Plan that covers me for Gleneagles Hospital?

        An Integrated Shield Plan provided by Medisave-approved private insurers gives the insured individual higher coverage in private hospitals like Gleneagles Hospital. The additional coverage is an extension of everyone’s Medishield Life benefit. If you have an Integrated Shield Plan covered for ‘Private Hospitals as Charged’ and purchase a rider, your Integrated Shield Plan allows you to claim up to 90%* or more of your Gleneagles bill.

        For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

        *Terms and conditions apply.

      • Medishield Life covers pre-existing conditions. If I have an Integrated Shield Plan, does this mean my pre-existing condition is now covered as well?

        MediShield Life will provide basic coverage for your pre-existing condition, even if this is excluded from the top-up coverage provided by your private insurer. What this means is that should you need treatment, you will still enjoy insurance coverage at Class B2 or Class C in the public hospitals, provided by MediShield Life. This coverage is not extended to your Integrated Shield Plan benefits. Therefore, if you are treated in a Class A ward, MediShield Life will reimburse you only the amount you would receive in a B2 ward.

        For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

      • Am I eligible for an Integrated Shield Plan?

        If you are a Singaporean, or if you are a Permanent Resident that contributes to the Central Provident Fund (CPF), you would have Medishield Life coverage. Medishield Life serves as a national health coverage that suffices to cover an insured individual in a Class C or B2 ward in public hospitals. If you utilise your Medisave to pay for additional premiums on top of your Medishield Life, you would have purchased additional private insurance coverage and have an ‘Integrated Shield Plan’.

        For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

        Find out more about how an Integrated Shield Plan works.

      • What is a rider?

        A rider provides further financial coverage for the compulsory cash payable portions of your Medishield Life-covered hospital bill. A rider is a monthly or annual cash premium add-on to your private Integrated Shield Plan. Having a rider means that out-of-pocket payables (deductible and co-insurance) are reimbursed when you process your claims.

        For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

      • I have a Letter of Guarantee. Why do I have to pay the full amount upon discharge?

        A Letter of Guarantee only grants a waiver of deposit. The hospital is still required to collect the outstanding balance of the hospital bill upon the patient's discharge.

        For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

      • How long will it take for my hospitalisation bill to be reimbursed by my Integrated Shield Plan?

        The claims reimbursement typically takes 6 – 8 weeks after your Integrated Shield Plan's insurance provider processes the claim. If you are a Singaporean / Permanent Resident, and you have an Integrated Shield Plan covered for private hospitalisation, your Gleneagles bill can be reimbursed up to 90%* or more.

        For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

        *Terms and conditions apply.

      • How much can I claim from a hospital bill if I have an Integrated Shield Plan?

        Each Integrated Shield Plan’s coverage may differ – it depends on the coverage the policy holder has chosen. If you have an Integrated Shield Plan that covers private hospitalisation, your Gleneagles bill can be reimbursed up to 90%* or more.

        For enquiries on estimated hospitalisation bill size, please call the Gleneagles Bill Advisor at 6653 7566.

        *Terms and conditions apply.