Insurance, Billing & Payments

     •  Cash

     •  NETS

     •  PAYNOW 

     •  All major Credit Cards

Dr Bryan is on the panel of specialists for various insurance providers including:

Personal Insurance:

     •   AIA

     •  Great Eastern Life

     •  Prudential

     •   HSBC Life (Previously AXA)

Personal Insurance:

     •  Alliance

Foreign Insurance:

     •   GeoBlue

     •   MSH China

Please call our clinic for more information on claims from various insurance plans.

Integrated Shield Plans

Patients who have purchased Integrated Shield Plans (commonly called IPs) will be able to use them to cover costs of surgeries and procedures performed in hospitals or Day Surgery Centres.

The 6 Approved Integrated Shield Insurers are:

     •  American International Assurance International Co’s (AIA) HealthShield Gold

     • Prudential Assurance Co’s PRUShield

     • Great Eastern Life Assurance Co’s SupremeHealth and SupremeHealth Plus

     •   HSBC Life (Previously AXA)

     •  Singlife Shield

     •  NTUC Income’s IncomeShield and Enhanced IncomeShield

Co-payment

Since Apr 2021, a co-payment component of 5% was introduced. As such, IPs will cover 95% whilst the remaining 5% will be paid for by the patient.  This 5% can be covered using Medisave up to limits defined by the Table of Surgical Procedures. (Please see the Medisave section for more information)

Outpatient Consults and Scans 

Unfortunately, consults or diagnostic scans done as an outpatient cannot be reimbursed using IPs unless the consults and scans (eg MRI scan) were performed as part of the workup to a condition that eventually required admission. If the patient had purchased Personal Accident Insurance and there had been a history of an accidental injury, the doctor’s consult and scans will usually be covered and can be reimbursed. 

MediSave

MediSave can be used to pay for an individual’s own / approved dependent’s surgery and hospitalisation. It can be used to cover the co-pay component of the IPs. The total amount that can be covered using MediSave depends on the complexity of the surgery based on a ranking known as the Table of Surgical Procedures (TOSP). This table ranks surgical complexity on a scale of 1A – 7C. The amounts claimable are as follow:

Outpatient scans can be partly claimed on MediSave up to $300 a year.

The Ministry of Health Fee Benchmarks

The Ministry of Health has published recommended charges for doctors and hospital fees in the private sector. Dr Bryan Tan strictly adheres to these publicly available fee guidelines.

https://www.moh.gov.sg/cost-financing/fee-benchmarks-for-private-sector-charges

How much will a typical surgery cost?

These are examples of the surgical costs and amounts covered by your insurance and MediSave:

What is the entire payment/ claims process?

If you require surgery and have booked a date for it, the entire process is as follows:

Step 1: 

Obtain a “Pre-Authorization” from your insurance provider (We will guide/ assist you on this).

Step 2: 

Admit to hospital and have the surgery as planned.

Step 3: 

On the day of discharge, the hospital will send your entire bill to MediSave and your Insurance Provider. All necessary deductions will be done and you will be presented with the bill. In most cases, the co-pay component will be fully covered by your MediSave. No further payment is required of you. 

Step 4: 

Discharge from hospital and be on your way to recovery! 

If you are a foreign patient and have an insurance plan that covers you globally, please inform us. We will assist/ guide you along the process as to how to go about obtaining a Letter of Guarantee from your insurer and where possible, set up a direct billing arrangement with your insurer.