Can I submit a claim in a different currency?

Yes, you can. Simply select the desired currency when you submit the claim.

Can I submit a claim on behalf of my dependants?

Yes, if your dependants are covered under the same policy. To find out if your coverage extends to your dependants, please speak with your HR personnel.

Do I have to submit the original medical bills and receipts?

No, you don't have to. You simply need to submit photos of your medical bills. However, please keep the original medical bills and receipts for at least 6 months as we may contact you to verify the claim, or to enquire about a specific document.

How do I submit a claim?

The Submit a Claim function is available on the Singlife App (accessible via Service Hub) and the MySinglife Portal (accessible via Claims tab under Home).

Prepare all the necessary documents before beginning the claim submission and simply follow the steps to submit your claim.

When submitting photos of your medical bills, please only have one bill per photo and don't combine multiple bills in one photo.

If you have any queries or clarifications, please consult your HR personnel or insurance broker servicing your company. 

I don't have all the necessary information with me at the moment. Can I save my claim as a draft and continue later?

Yes, you can save a draft of your claim. Click on 'Save as draft' and it will be saved in the Drafts tab. When you're ready with all the information, you can retrieve the draft and complete it. 

Do note your draft will be automatically deleted after 30 days. If you have saved any drafts that are no longer needed, you may choose to delete them. 

I have multiple medical bills to submit. How should I file them?

You should submit only one medical bill per claim submission. Select the relevant claim type based on the bill incurred. Repeat the steps until all your bills are filed.

For example, if you have 3 medical bills to treat a single illness, or 3 separate medical bills to treat different illnesses, you should create separate claims for each  bill. 

I'm unable to submit a claim on the Singlife App or on the MySinglife Portal. What should I do?

Trying logging out and log back in again to your Singlife App or to the MySinglife Portal. If you're still unable to submit a claim despite repeated attempts, you may submit your claims via your company's usual process, or contact Singlife claims hotline at 6827 8030 for assistance.

I've made a claim in a different currency. How will you calculate the exchange rate?

We will use our monthly exchange rate based on the date the claim is processed.

I've submitted a claim but with the incorrect documents/images. What should I do?

You should re-submit the claim as soon as possible and attach the correct documents/images. The Claims Officer will review and compare both claim submissions, and cancel the invalid one accordingly.

I've uploaded the required documents but the system is informing me there are more documents to upload. What should I do next?

This may happen when we're still processing the claim. You can login to check the status again once we've sent you a confirmation that your claim has been processed.

Is there a limit on the number of claims I can submit?

No, we don't restrict the number of claims you can submit. However, the amounts payable will follow the policy you're covered under. 

My medical bills and/or receipts have faded so the information cannot be seen clearly. Can I still make a claim?

In such instances, please send us your original medical bills and/or receipts via mail for us to review your claim. Please note that all claims have to be submitted within 30 days from date of visit. 

There are a few types of claims in the Submit a Claim function. Which one should I choose?

The different types of claims you see are based on the coverage you have. You should choose the type of claim based on the type of medical bills incurred:

1. Outpatient claim

  • These would be medical bills incurred from visits to your family doctor, general practitioner, specialist or physiotherapist and it includes any medications, lab tests such as blood or urine tests and X-rays.
  • Any outpatient bills incurred before or after a hospitalisation admission or surgery.

2. Inpatient claim

  • Medical bills incurred for hospitalisation and surgery performed during hospitalisation, or day surgery at a clinic or hospital.
  • Medical bills incurred for childbirth (if you're covered under our maternity benefit), including pre-natal and post-natal consultations.
  • If you're filing a claim under the maternity benefit, please file your pre-natal and post-natal medical bills together with your main delivery expenses.

3. Dental claim

  • These would be medical bills incurred from visits to a dentist, including outpatient treatments such as polishing and fillings or dental surgery such as a tooth extraction.

4. Personal injury claim

These would refer to claims such as:

  • Daily hospital cash allowance (MINDEF/MHA only)
  • Simple fracture due to accident (MINDEF/MHA only)
  • Accidental hospital recuperation (MINDEF/MHA only)
  • Accidental medical reimbursement (NTU students only).

What are the documents I need to submit for a claim?

To ensure an efficient claim submission, please have the following supporting documents on hand:

1. Outpatient claim

  • Tax invoices, bills, or receipts.
  • Referral letter from GP/specialist (if any).
  • Medical report to support your claim (if any).

2. Inpatient claim

  • Final summary and itemised hospital bills, doctor's bill and receipts.
  • For admission/surgery at a private hospital or clinics either in or out of Singapore, please submit a medical report from your attending specialist/surgeon.
  • For admission/surgery claims at a Singapore restructured or government hospital, please submit a medical report from the hospital.
  • You may also submit any additional documents that you find relevant to assist in the assessment of the claim.

3. Dental claim

  • Tax invoices, bills, or receipts.
  • Dentist report to support your claim (if any).

4. Personal injury claim

Daily hospital cash allowance:

  • Final hospital bill reflecting the admission and discharge dates.
  • Inpatient discharge summary/doctor's memorandum indicating the diagnosis and date of injury.
  • Insured member's NRIC (front and back).
  • Insured dependant's/affiliate member's NRIC (front and back), if the dependant is an insured member.

Simple fracture due to an accident

  • X-Ray/CT scans/MRI scans/diagnostic scans and reports reflecting the fracture.
  • Insured member's NRIC (front and back).
  • Insured dependant's/affiliate member's NRIC (front and back), if the dependant is an insured member.

Accidental hospital recuperation benefit

  • Final hospital bill reflecting the admission and discharge dates.
  • Inpatient discharge summary/doctor's memorandum indicating the diagnosis and date of injury.
  • Insured member's NRIC (front and back).
  • Insured dependant's/affiliate member's NRIC (front and back), if the dependant is an insured member.

Accidental medical reimbursement benefit

  • Tax invoices, final summary or itemised hospital bills, doctor's bills and receipts.
  • Medical report/inpatient discharge summary/doctor's memorandum indicating the diagnosis and date of injury.

What happens once my claim is approved?

Once your claim is approved, we will process your payment based on your selected payment method (bank account/telegraphic transfer), except in cases where the policy states your company as the payee.

What types of claims can I submit?

There are 4 types of claims you can submit:

  1. Outpatient (GP/specialist)
  2. Inpatient (hospitalization/surgery)
  3. Dental
  4. Personal injury, which includes:

Daily hospital cash allowance (MINDEF/MHA only)

  • Simple fracture due to accident (MINDEF/MHA only)
  • Accidental hospital recuperation (MINDEF/MHA only)
  • Accidental medical reimbursement (NTU students only)

Do note the type of claim you can submit is dependent on the policy coverage you have, so you may not see all 4 types of claim submission in your Singlife App and MySinglife Portal.

When should I submit my claims?

You should submit your claim within 30 days following the date of your visit. This is to reduce the chances of losing/misplacing the required supporting documents, or the receipts becoming faded and unreadable, resulting in disputes or discrepancies in the claims submission.

This webpage is published for information only and Singapore Life Ltd. accepts no liability whatsoever with respect to its use or its contents. 

The information contained here is accurate as at 20 Mar 2024.