The smart way for working adults to make a hospital claim

Tapping on your company insurance first makes good financial sense.

If you’ve just been hospitalised and hold an Integrated Shield Plan as well as company health insurance, filing a claim can get a little complicated. Here’s quick help.


It’s not uncommon to have multiple insurance plans. For example, if you are a Singaporean or Permanent Resident, you'd have health insurance coverage under an Integrated Shield Plan; and if you're employed in Singapore, it’s likely that you also have health insurance coverage under your company’s group insurance plan.  

Which policy to make a claim on

So, what’s the best way to make a claim if you have more than one health policy? And what should you do if each policy has different claim limits?

While you may think that you have to go with the policy that adequately covers your claim amount, this is not necessarily true. If the claim limit on one plan is insufficient to cover your hospital claim amount, you can claim the remaining amount from your other insurance plan.

The only thing that you should remember as the policyholder is that you have the right to settle your claim with any one of your insurers.

And as a general rule of thumb, always go with your company’s group hospital insurance first.

Why you should leverage your company’s group hospital insurance cover first

In order to get the most out of your different policies and protect your finances (after all, isn’t that what insurance is all about?), it’s always wise to tap on your company’s group hospital insurance first, leaving your personal Shield plan as the last option for a claim.

Benefits of claiming from your company’s group hospital insurance first

1) Reduce your out-of-pocket expenses

2) Maintain the claim limit on your personal health insurance

  • If you need hospitalisation again in the same policy year, your hospitalisation bill can still be covered as you maintain the claim limit on your personal health insurance.
  • If you’ve already made a claim on your Singlife Shield policy, Singlife will restore the respective claim limit for the rest of your policy year by the amount recovered from your company group hospital insurance.

How to claim from your company’s group hospital insurance

On the day of your admission, simply inform the business office at your selected hospital that you’d like to claim the hospitalisation bill and any out-of-pocket expenses from your company’s group hospital insurance first before tapping into your personal Shield plan.

You’ll need to get a Letter of Guarantee (LOG) from your group insurer and provide it to the hospital on the day of your admission. With the LOG, the hospital will liaise directly with your company’s group insurer on your hospital bill upon your discharge.

If you did not claim from your company’s group insurance first, simply submit a copy of your Inpatient Discharge Summary, Singlife Shield Claim Settlement Notice and your hospital bill to your company’s group insurer. Your financial adviser representative can also help you with this. You can also consult your Human Resource department on how to submit medical claims for employees.

Remember, claims recovery should be submitted to your insurer the soonest possible as generally there’s a cut-off period for claims submission, depending on the policy terms.

Now that you know how to make a claim on your company’s group hospital insurance first, you can focus on your recovery without worrying about reduced limits on your personal Shield plan in future.


Receive monthly updates

Subscribe to Money Banter to receive useful tips and guides on insurance and offers on products and services.

Thank you for your submission. 

By clicking “Submit”, you consent to Singapore Life Ltd. (“Singlife”) and Singlife related companies contacting you to provide you with information concerning Singlife and Singlife related companies’ products and services and special offers which may be of interest to you.
For details of Singlife's Data Protection Policy, please refer to To withdraw your consent at any time, please call Singlife at +65 6827 9933.

Important Information

Money Banter (the "Portal") is for general information only and does not take into account the specific investment objectives, financial situation, health condition and needs of any particular person. The contents of this Portal are intended merely for educational purposes and should not be construed as the giving of advice or the making of a recommendation. Nothing contained in this Portal shall constitute a distribution, an offer to sell or the solicitation of an offer to buy. We recommend that you discuss any specific matters with your financial adviser representative or legal adviser before making any decision. You are responsible for your own medical care, treatment and oversight, and any health-related content on this Portal, including, text, treatments, dosages, outcomes, charts, profiles, graphics, images, messages and forum postings are strictly information to promote general understanding of certain health topics only, do not constitute the providing of medical advice, and should not be relied upon as a substitute for professional medical advice, diagnosis or treatment. Always seek advice from a physician or other qualified health care provider regarding your medical condition or treatment and before undertaking a new health care regimen. This Portal may include information sourced from third parties and links to third party websites. We are not responsible for the accuracy or completeness of, and do not recommend or endorse such information or third party websites nor recommend or endorse any specific tests, physicians, products, procedures, opinions or other information. While we have taken reasonable care to ensure that the information on this Portal has been obtained from reliable sources and is correct at time of publishing, information may become outdated and opinions may change. Except to the extent prohibited by any law, we are not liable for any loss (including direct, indirect and consequential loss, loss of profits, loss or corruption of data or economic loss of any kind) that may result from the access or use of or reliance on the information on this Portal.  | Terms of Use | Data Protection Policy

Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.