{"id":641,"date":"2026-06-15T11:01:52","date_gmt":"2026-06-15T11:01:52","guid":{"rendered":"https:\/\/www.medicalwhale.com\/info\/?p=641"},"modified":"2026-07-21T09:33:45","modified_gmt":"2026-07-21T09:33:45","slug":"can-i-use-my-company-insurance-to-cover-deductibles-co-insurance-in-singapore","status":"publish","type":"post","link":"https:\/\/www.medicalwhale.com\/info\/can-i-use-my-company-insurance-to-cover-deductibles-co-insurance-in-singapore\/","title":{"rendered":"Can I Use My Company Insurance to Cover Deductibles &amp; Co-Insurance in Singapore?"},"content":{"rendered":"\n<p><strong>The short answer is: Yes.<\/strong> In fact, doing so is one of the smartest ways to navigate hospital bills in Singapore. Here is a straightforward breakdown of how you can combine your employer\u2019s Group Hospital and Surgical (GHS) insurance with your personal Integrated Shield Plan (IP) to bring your out-of-pocket medical costs down to near zero.<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. What Do Deductible And Co-Insurance Mean?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Deductible:<\/strong> This is the fixed chunk of money you have to pay <em>first<\/em> before your personal IP starts paying anything. In Singapore, this is typically up to $3,500 per policy year depending on your ward class.<\/li>\n\n\n\n<li><strong>Co-insurance:<\/strong> Once the deductible is paid, you still have to split the remaining bill with your insurer. Usually, you pay 10%, and your insurer covers the other 90%.<\/li>\n<\/ul>\n\n\n\n<p>If you don&#8217;t have an expensive &#8220;rider&#8221; attached to your personal IP, these two elements can result in thousands of dollars in cash or MediSave outlays.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.medicalwhale.com\/info\/what-are-deductibles-and-co-insurance-in-singapore\/\">Read our article on deductibles and co-insurance to learn more.<\/a><\/p>\n\n\n\n<p>(Source: <a href=\"https:\/\/www.income.com.sg\/getContentAsset\/80c9413a-7dde-4622-a36f-d2066a5db4ac\/05c6012c-3879-4f1c-b994-00e61e65c363\/Final-Enhanced-IncomeShield-policy-conditions-1-Apr-2026_MOH_v4-(clean)-v1-1.pdf?\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NTUC Income<\/a>)<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Enter The Claims Hierarchy<\/strong><\/h2>\n\n\n\n<p id=\"p-rc_4485efa51001f117-230\">Singapore\u2019s Ministry of Health (MOH) has a specific <a href=\"https:\/\/ask.gov.sg\/moh\/questions\/cm2vpnfru00d012kzj38nxu0h\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">claims protocol<\/a> to prevent duplicate payouts while ensuring patients get maximum coverage. The sequence looks like this:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Corporate\/Employer Insurance pays first.<\/strong> <\/li>\n\n\n\n<li><strong>MediShield Life \/ Personal Integrated Shield Plan (IP) pays second.<\/strong><\/li>\n\n\n\n<li><strong>Your MediSave pays third.<\/strong> <\/li>\n\n\n\n<li><strong>You pay last using Cash<\/strong><\/li>\n<\/ol>\n\n\n\n<p id=\"p-rc_4485efa51001f117-235\">Because your company insurance sits at the very top of the hierarchy, it acts as your primary shield.<sup><\/sup><\/p>\n\n\n\n<p><a href=\"https:\/\/www.medicalwhale.com\/info\/should-you-claim-company-insurance-or-personal-health-insurance-first-in-singapore\/\">Unsure whether to claim from your personal insurance (Integrated Shield Plan and MediShield) or your company insurance first? Read our article to learn more about this issue. <\/a><\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. So How Does It Work in Real Life<\/strong><\/h2>\n\n\n\n<p id=\"p-rc_4485efa51001f117-236\">Imagine you are admitted to a private hospital, and your total bill comes up to <strong>$20,000<\/strong>. Your personal IP has a $3,500 deductible and a 10% co-insurance.<sup><\/sup><\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong><span style=\"text-decoration: underline;\">Scenario A: Claiming ONLY on Personal IP<\/span><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You pay the $3,500 deductible<\/li>\n\n\n\n<li>You pay 10% of the remaining $16,500 (which is $1,650)<\/li>\n\n\n\n<li><strong>Total out-of-pocket for you:<\/strong> $5,150<\/li>\n<\/ul>\n\n\n\n<div style=\"height:93px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong><span style=\"text-decoration: underline;\">Scenario B: Claiming Both Corporate + Personal Insurance<\/span><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 1:<\/strong> You present your corporate insurance to the hospital. The corporate plan absorbs the first $15,000 of the bill.<\/li>\n\n\n\n<li><strong>Step 2:<\/strong> The remaining $5,000 falls to your personal IP<\/li>\n\n\n\n<li><strong>Step 3:<\/strong> Wait, what about your $3,500 personal deductible and 10% co-insurance? <br><br>Because your corporate plan <em>already<\/em> paid $15,000 toward the total bill, the insurers coordinate their benefits. The $15,000 paid by your company effectively <strong>extinguishes and fulfills<\/strong> your personal IP&#8217;s deductible and co-insurance requirements.<\/li>\n\n\n\n<li><strong>Total out-of-pocket for you:<\/strong> $0!<\/li>\n<\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Three Pro-Tips for a Smooth Claim Experience<\/strong><\/h2>\n\n\n\n<p>If you are planning an elective surgery or staring down a hospital admission, here is how to execute this flawlessly:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ask your company for a Letter of Guarantee (LOG):<\/strong> Before you get admitted, check if your company insurer can issue an LOG. Handing this to the hospital waives or heavily reduces the upfront deposit you need to pay upon admission.<\/li>\n\n\n\n<li><strong>Communicate with the Hospital Billing Department:<\/strong> Always let the hospital admissions staff know that you want to claim under your <strong>Employer Insurance Plan first<\/strong>, followed by your <strong>Personal Insurance<\/strong>. Hospitals in Singapore are used to this and can usually e-file everything for you to coordinate the benefits seamlessly.<\/li>\n\n\n\n<li><strong>Remember the Indemnity Principle:<\/strong> You cannot make a profit from getting sick. You can use both plans to cover 100% of your bill, but you cannot claim the <em>same<\/em> dollar amount from both insurers to pocket the extra cash.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p id=\"p-rc_4485efa51001f117-239\">Medical emergencies are stressful enough without having to worry about draining your savings. By leveraging your corporate benefits as the &#8220;first line of defense,&#8221; you can successfully wipe out the deductible and co-insurance of your personal health plan.<sup><\/sup><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know you can combine your corporate insurance and personal health insurance to pay for your deductible and co-insurance expenses?<\/p>\n","protected":false},"author":1,"featured_media":656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,13],"tags":[19],"class_list":["post-641","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-insurance","tag-insurance"],"_links":{"self":[{"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/posts\/641","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/comments?post=641"}],"version-history":[{"count":18,"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/posts\/641\/revisions"}],"predecessor-version":[{"id":921,"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/posts\/641\/revisions\/921"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/media\/656"}],"wp:attachment":[{"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/media?parent=641"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/categories?post=641"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.medicalwhale.com\/info\/wp-json\/wp\/v2\/tags?post=641"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}