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Direct Billing Services

Q
Is direct billing (cashless) arrangement available at Raffles Hospital?
A
Yes, direct billing arrangement is available for members of insurance and assistance companies with whom we have contracts. 

Q
What is direct billing arrangement?
A
At Raffles Hospital, we have been working with major international insurance and medical assistance organisations to establish direct billing (cashless) agreements for the benefit of our patients. In a direct billing arrangement, Raffles Hospital settles the bulk of the eligible patients’ bills incurred at our outpatient and inpatient facilities directly with our valued partners.

Q
Which companies have direct billing arrangement with Raffles Hospital?
A
Direct billing arrangements at Raffles Hospital is available to members of major international insurance and medical assistance companies. If you are a member, you may write to us at insurance@raffleshospital.com to ascertain if the company is a contracted partner with Raffles Hospital. 

Q
What should I do prior to an appointment?
A
Every insurance company has its own benefits plan and requirement. Therefore it is important for you to contact your insurance company to check:
  • If Raffles Hospital is in your insurance company’s network
  • What is your entitlement and limits
  • What are the services which need pre-authorisation before you receive them
Q
What should I do prior to an elective Inpatient admission?
A
You may contact your insurance company for pre-authorisation of certain services. You will enjoy direct billing if your insurance company issue a Letter of Guarantee (LOG) for your admission and Raffles Hospital is in your network.

Q
What is the typical process of an elective surgery/ procedure under direct billing arrangement?
A
A: Prior to your elective surgery/ procedure, please contact your insurance company to
  • Check if Raffles Hospital is in your insurance company’s network
  • Confirm if pre- authorisation is required for certain services
  • Obtain Letter of Guarantee (LOG) for your admission
  • Understand your insurance’s entitlements and coverage

B: Please bring along the following upon admission:

  • Letter of guarantee
  • Membership card
  • Medical Claim Form

C: During the hospital admission, you will be required to

  • Fill up the relevant portions and endorse on the Medical Claim Form
  • Endorse on the credit card authorisation form for the payment of deductibles, non-coverage items (eg. lodger, laundry, telephone bills) and co-payments
Q
What are the documents required for verification during an Outpatient visit / Inpatient admission?
A
Please bring along your letter of guarantee (if applicable) and insurance membership card as mode of recognition.

Q
Am I still required to make payments during my Outpatient visits/ Inpatient admission?
A
Insured members of our direct billing partners with valid LOGs (if applicable) are only required to make payments pertaining to deductibles, co-payments, non-covered fees.

Q
What should I do if I do not have a Letter of Guarantee upon hospital admission?
A
Raffles Hospital shall attempt try to contact your insurance company to obtain the LOG on your behalf. Failing to do so within 24 hours, you are required to make the payments and proceed to claim the medical bills from your insurance company.
Q
What do I do in cases of emergency hospitalisation or surgery?
A
In a case of emergency, Raffles Hospital shall assist to contact your insurance company.  If we do not receive the necessary documents by the time of discharge, you will be required to settle the payments first.

Q
I have bought travel insurance and medical insurance policies. Will my surgery expenses be covered by these policies?
A
As different travel and medical insurance policies offers different coverages, please check with your insurance company to confirm on the coverage and extent of coverage for your surgery expenses.

Q
My insurance company has confirmed coverage for my surgery expenses. What should I do now?
A

Please obtain a letter of guarantee from your insurance company.  If your insurance company is one of whom Raffles Hospital has a direct billing arrangement with, please present the letter of guarantee prior to or during your hospital admission procedure.. You would still be required to pay a part of the bill which includes but not limited to co-payments, deductibles, and non-payments.

If your insurance company is yet to have a direct billing arrangement with Raffles Hospital, the extension of cashless arrangement will be reviewed on a case by case basis upon receipt of the letter of guarantee.  You may be required to make payments for the surgery first, then claim from your insurance company.


Q
Where could I get more information should I have further enquiries on overseas insurance?
A
You can email your enquiries to insurance@raffleshospital.com