The Ministry of Health (MOH) has announced changes to the financing of cancer treatments based on the Cancer Drug List which indicates the drug used for a certain cancer type and its claim limit. For Integrated Shield Plans, this comes into effect from 1 April 2023.

For more information on the cancer drug list coverage and frequently asked questions, please visit MOH’s website here.

If you have purchased an Integrated Shield Plan from an approved private insurer from the above list, a certain amount of your cancer treatment expenses will be covered in relation to the cancer drug list by MOH and the rider (if any) that is bought.

Please approach your insurer to verify the claim limit for your Integrated Shield Plan.

Please login to your CPF account using your Singpass to check if you have bought an Integrated Shield Plan.

1. Go to cpf.gov.sg
2. Login with SingPass
3. Click on “my cpf”
4. Next, click on “Healthcare” section
5. Scroll down and click on “Health Insurance” tab to view your coverage and premium details

Please contact your insurer to find out more about the policy details of your Integrated Shield Plan.

MediShield Life covers you for life, including your pre-existing conditions. This is the case even if a pre-existing condition is not covered under the Integrated Shield Plan.

There is a maximum coverage per month/treatment for the outpatient treatment for MediShield Life, whereas Integrated Shield Plans provide additional and enhanced coverage on top of MediShield Life.

Outpatient coverage varies for each insurer, please approach your insurer to check on the outpatient coverage for your Integrated Shield Plan.

Deductible

Deductible is the basic sum you must contribute to your bill before you make your claim. This is a fixed maximum sum, and if the bill is less than the deductible, the patient pays the full bill.

Co-insurance

The co-insurance is a percentage that is calculated on the total bill size. This means that for every bill, the patient must pay a percentage of the bill and the insurance pays the balance.

Co-payment

Co-payment is an additional component that a patient may have to pay. For riders, the co-payment is calculated as a percentage of the total bill size.

Typically, the co-payment for most co-pay riders is 5% of the bill.

Depending on your rider plan, most insurers have a co-payment cap. If the co-payment amount exceeds the co-payment cap, the patient only needs to pay up to the co-payment cap amount. The balance amount is covered by the insurer.

Claim limits

There are 2 types of limits for Integrated Shield Plans:

• Lifetime limit – the maximum amount you can claim throughout your life
• Policy year limit – the maximum amount, you can claim per policy year

Panel doctors

Insurers have their preferred doctors whom they have selected to be on their panel. Patients who visit panel doctors may enjoy enhanced coverage and higher claim limits. Icon Cancer Centre Singapore is on the panel for all six major Integrated Shield Plans.

1. Please inform our Icon staff that you would like to make a claim for your outpatient treatment with your Integrated Shield Plan.
2. Our staff will be able access the MOH portal with your NRIC number and check if you are covered under an Integrated Shield Plan.
3. If you are covered under an Integrated Shield Plan, we will need you to sign on the Medisave Claims Authorisation Form to consent and authorise Icon Cancer Centre to submit claims on your behalf for the Integrated Shield Plan as well as to withdraw from your MediSave balance, if required.
4. You will be required to produce a copy of your NRIC and /or the MediSave account holder’s NRIC, if the payment is not drawn from your own MediSave account for your treatment claims.
5. Icon Cancer Centre will then proceed to submit the claim for you.
6. Your private Insurer would process your claim. If there is any outstanding amount not covered by your insurance, it can be covered either by MediSave (up to prevailing limits), credit card payment (HSBC and Standard Chartered Credit Card cardholders can opt to pay via a 6-month interest-free plan) and/or cash payment.
7. The approved pay out from your private insurer and CPF will be paid to Icon Cancer Centre. We will then reimburse the payment amount to you, if the full amount of the claim has been paid in advance.

If you have any queries on your Integrated Shield Plans with private insurers, we have compiled a list of FAQs for each insurer. Please click on the name of the provider to access their FAQ list. Alternatively, please contact your insurance agent, email or call their customer service hotline.

• AIA HealthShield GoldMax
• Aviva MyShield Plan
• AXA Shield Plan
• Great Eastern Supreme Health (HealthConnect)
• NTUC Enhanced Income Shield
• Prudential Prushield Premier