Outpatient Claim

Outpatient Claim

Are you an IncomeShield policyholder?

This page is for outpatient claims under i-MediCare or Group Hospital & Surgical plans. For outpatient claim information under IncomeShield, please refer to our IncomeShield guide.
If you have a group insurance plan that covers outpatient expenses, here are the steps for making a claim.

Before your visit to the clinic/hospital

  • Please refer to your policy document to verify that your plan covers the outpatient treatment and the medical institution.
  • For i-MediCare policyholders:
    • You will need to produce your i-MediCare membership card and your identity card when visiting our panel doctors and panel private specialists.
    • i-MediCare membership cards are not accepted at government/restructured hospitals as these visits would be on reimbursement basis.
    • You will need to bring along 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 doctors and panel private specialists under your plan, log in here.

Submitting the claim


Step 1: Prepare required documents

  1. Original final medical bills and receipts [1]
  2. Medical reports, if available
  3. Copy of referral letter if you are claiming for a specialist visit
  4. Copy of the attending physician’s prescription if you are claiming for purchase of drugs

Step 2: Complete the claim form for your plan


Step 3: Submit the completed claim form and required documents

Please submit your completed claim form and documents to your company’s Human Resource Department (or your union/association) for their endorsement. Your company or organisation’s insurance administrator will then submit the claim to Income on your behalf.

After claim submission

We settle most claims within 14 working days after we receive all documents required.

For claims which require further clarification, we will need more time to review your claim. For such cases, we will keep you informed.

Important Notes


  1. 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.
Information is correct as of 11 December 2016

Frequently asked questions