Managed Healthcare System - More Information for MHS Members

The MHS Scheme has been withdrawn with effect 1 January 2008 for new applications
(applicable to both Individual and Group policies).

Existing MHS policyholders will continue to enjoy their coverage as long as
they renew their policies annually.

A) Primary Care

Outpatient GP Care

Unlimited visits for panel clinics
Maximum of 3 visits per policy year for visits to any doctor (GP), reimbursable up to $10 per visit or the actual expense/cost incurred , whichever is the lower
Members are required to copay $5 per visit
Member can also visit Polyclinics instead. However, you will need to pay for the full medical bill first and seek reimbursement from MHS less the copayment of $5.

B) Specialist Care

Specialist Outpatient Care

You may be referred to any specialist in any Government & Restructured Hospitals or MHS panel of private specialist, if necessary.

All referrals have to be made by our panel GP clinics or polyclinics
Referrals made by any other doctors will not be recognised.
An annual benefit of $500 is payable for specialist care which includes consultation, medication and tests upon referral of the panel doctor.
10% copayment for specialised investigation e.g. CT scans, MRI, Barium Studies

For Singapore General Hospital, Tan Tock Seng Hospital, Alexandra Hospital, Changi General Hospital, National University Hospital, National Heart Centre and National Cancer Centre.

Produce yourreferral letter, MHS card & NRIC for identification.
Copay $15 after receiving treatment.

For KK Women's and Children's Hospital, National Skin Centre, Singapore National Eye Centre, and the National Neuroscience Institute of Singapore.

You will need to settle the full bill first and seek reimbursement from MHS. Please obtain the MHS reimbursement form from our website.

For Private Panel Specialists in the MHS Panel

Produce your referral letter, MHS card & NRIC for identification
Claim up to $100 per visit

C) Hospital Care

Hospital Admission & Claims Procedures

Your MHS card can be used at the following MHS network of hospitals and institutions:

Singapore General Hospital
Tan Tock Seng Hospital
Alexandra Hospital

National University Hospital
KK Women's & Children's Hospital
Changi General Hospital

Produce your MHS card upon admission as an in-patient in any of the above hospitals.
The hospital will confirm your coverage benefits with INCOME Phonelink System.
You are not required to pay a cash deposit.
You are required to sign the Medisave Authorization Form.
The hospital will send the final bill to MHS.
You are required to copay 10% of the total bill and bear any expenses in excess of your plan limits.

Private Hospitals

You will need to settle your bill in full with the hospital first and seek reimbursement from MHS
Please note that the MHS plan limits are pegged to the rates charged at government or restructured hospitals. If you opt for treatment at private hospitals, you will need to pay more.

Example
Hospitals/Plans	MHS B1	Private	Restructured
Daily Room & Board @ $400 per day for 4 days Surgery (Table 4)	Plan Limit $1600 $2000	Incurred Expenses $2000 $5000	Incurred Expenses $1700 $2300
Total	$3600	$7000	$4000
MHS pays	$3600	$3600	$3600
Member pays: i) 10% co-payment ii) amount in excess of plan limit		$700 $2700	$400 $0
Total Member pays		$3400	$400

Overseas Hospital

MHS covers overseas hospitalisation due to accidents and emergencies only. Coverage is limited by the entitlement of the member.

D) Accident & Emergency (A&E)

In the event of an accident or emergency, you can visit the A&E department of any hospitals
You are required to copay $10 (GST will be charged where applicable).
For A&E visits to Singapore General Hospital, you will need to pay the full medical charges first and seek reimbursement less the co-payment of $10.
For A&E visits to private hospitals, you will need to pay for the full medical charges first. MHS will reimburse up to $70 per visit after $10 copayment
Members will seek reimbursement from MHS less the co-payment of $10

* After the official operating hours:
Monday - Saturday : 8am to 9pm