What you need to know.
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Your claims should be submitted within 60 days from the date of insured incident.
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You should always check with your company/organisation to verify the type of benefits covered under your plan.
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All relevant documents and information must be submitted together with your claims.
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It usually takes 14-30 working days to process your claims after all required documents are received.
1
Tell us what you would like to claim for
2
Things to ensure before your visit to the clinic/hospital
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.
- 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.
- i-MediCare membership cards are not accepted at government/restructured hospitals
- To view the list of panel doctors and panel private specialists under your plan, please log in to your service provider’s e-claim portal or mobile app.
3
Prepare the required documents and complete the claim form
Death in Singapore
To submit the claim, you must be the insured’s closest next-of-kin.
- Certified true copy of death certificate
- NRIC or relevant identification documents (e.g. passports, birth certificates)
- Proof of claimant's relationship with deceased individual
| Claimant | Documents Required |
| Spouse | Marriage certificate |
| Parent | Birth certificate of deceased |
| Child | Birth certificate of claimant |
| Sibling | Birth certificates of deceased and claimant |
- Last will of the deceased, if any
- Newspaper clipping and police report (for deaths due to accidental or violent causes)
Claim forms
Note: Claim forms under NTUC GIFT must be endorsed and submitted by your union or association.
Death overseas
To submit the claim, you must be the insured’s closest next-of-kin.
- Certified true copy of death certificate
(The original death certificate must be certified by your lawyer or any notary public.) - Letter from Immigration and Checkpoint Authority (ICA)
(This letter is issued by ICA for Singaporeans or Permanent Residents who died overseas. It confirms receipt of the Singapore IC, passport and overseas death certificate.) - Repatriation report (if body was repatriated to Singapore for cremation/burial)
- NRIC or relevant identification documents (e.g. passports, birth certificates)
- Proof of claimant's relationship with deceased individual
| Claimant | Documents Required |
| Spouse | Marriage certificate |
| Parent | Birth certificate of deceased |
| Child | Birth certificate of claimant |
| Sibling | Birth certificates of deceased and claimant |
- Last will of the deceased, if any
- Newspaper clipping and police report (for deaths due to accidental or violent causes)
All documents submitted must be in English. Any documents in foreign languages must be officially translated to English by a certified translator/interpreter.
Claim forms
Note: Claim forms under NTUC GIFT must be endorsed and submitted by your union or association.
Disability (total or partial)
- Disability claim form (NTUC GIFT, EWISE or for other plans)
- Attending Medical Practitioner's Statement, to be completed by the claimant and the attending physician
- Medical reports, investigations reports, laboratory reports and hospital discharge summary
- Medically boarded out letter, if any
- Newspaper clipping and police/accident report, if applicable
- NRIC or relevant identification documents (e.g. passports, birth certificates)
Claim forms
Note: Claim forms under NTUC GIFT must be endorsed and submitted by your union or association.
Critical illness
- Medical reports, investigations reports, laboratory reports and hospital discharge summary
- Attending Medical Practitioner's Statement (AMPS), to be completed by the claimant and the attending physician. Specific AMPS forms should be used where applicable.
- Relevant claim form
- NRIC or relevant identification documents (e.g. passports, birth certificates)
Claim forms
Hospitalisation
Depending on your plan, your hospitalisation or surgery bills can be paid with the following methods:
- Cash or credit card
- CPF Medisave account
- Upon admission, please sign the forms for the CPF Medisave Deduction, if any.
- CPF MediShield or Medisave-Approved Integrated Shield Plan
- If you are covered under such a plan, please inform the hospital and ensure that the forms for filing under your plan are signed.
For claims under Group Hospital & Surgical Policy / Employee FlexCare Policy, Employee Benefits Policy / WorkMedic Policy / i-MediCare (Inpatient)
- Original final hospital/medical bills and receipts
- Hospital discharge summary
- Medical reports, if any
- Copy of reimbursement letter/discharge voucher from previous reimbursement, if any.
- For WorkMedic Policy only: Copy of employee’s Work Permit or S-Pass
For plans that cover Group Hospitalisation Benefit
- Copy of final hospital/medical bills
- Hospital discharge summary
Claim forms
Dental expenses
- Original final tax invoices, bills and receipts
- Copy of settlement letter/ discharge voucher from a third party or other insurer which you have claimed from, if any.
Claim forms
Personal Accident
Disability or fracture benefit
- Accident claim form
- Attending Medical Practitioner's Statement, to be completed by the claimant and the attending physician
- Medical reports, investigations reports, laboratory reports and hospital discharge summary
- Medically boarded out letter, if any (TPD only)
- Newspaper clipping and police/accident report, if applicable
For medical expenses claims
- Medical claim form
- Original final medical bills and receipts[1]
- Hospital discharge summary (if there is hospitalisation/surgery)
- Medical reports, if available
- Police report, if any
- Copy of reimbursement letter/discharge voucher from previous reimbursement, if any
Please note that the list of documents above is not exhaustive. Other documents may be requested if necessary.
Claim forms
Outpatient expenses
- Original final tax invoice(s)/receipts(s)[1]
- Medical reports, if available
- Copy of referral letter if you are claiming for a specialist visit
- Copy of the attending physician’s prescription if you are claiming for purchase of drugs
Claim forms
4
Send us your documents and claim form
Please email your completed claim form and documents to the authorised personnel of your company/union/association.
They will forward your claim to us via groupclaim@income.com.sg for processing on your behalf.
Ensure that the overall size of your email attachment(s) does not exceed 30MB.
For medical claims, keep the original medical bills/receipts for six months as we may request for them on case-by-case basis prior to settlement of the claim.
To receive payments as quickly as possible, opt for Direct Crediting under the Payment section in the claim form.
Footnotes
- 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 at 29 August 2024.
You are encouraged to obtain the completed AMPS from your doctor(s) because it will speed up the process. The cost of the report should range from $100 to $300 (subject to prevailing GST and hospital fee charges. You may clarify with the hospital directly on the fee charges); the cost of this report is to be borne by you.
Where AMPS form specific to your condition is available in our website, you should use that specific AMPS for your doctor’s completion.
If you are unable to obtain the completed AMPS due to special reasons (e.g. suffering from a stroke and no available next of kin to assist with the AMPS application), we would be happy to do so on your behalf, upon your request and the cost of the report will be borne by you. However, please be informed that hospitals may take up to ten weeks to respond to our request.
There is no waiting period. However, because TPD means the inability to take part in any paid work for the rest of a person’s life, the insured must be certified by a registered medical practitioner to have been totally and permanently disabled for at least six months in a row.
A Court Order is required for claim payment if you are certified to be mentally incapacitated and unable to handle your financial affairs. A Court Order is a legal document which the Court grants to your next-of-kin or appointed person to handle your affairs on your behalf. If you had made a Lasting Power of Attorney (LPA) before the mental incapacity certification date, please forward a copy of the LPA document and a copy of the Donee’s identity card to us for our processing.
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