If you are receiving care under a non-AQHP specialist, your eligible medical bill will be pro-rated by 85% if it is not supported by a Certificate of Pre-authorisation. This means that the eligible amount for the claim will be 85% of the total medical bill, subject to deductible and/or co-insurance (if applicable).
There is no pro-ration of your medical bill if you:
a. were treated in a public hospital; or
b. were treated by an AIA Quality Healthcare Partner specialist; or
c. were treated by a non-AQHP specialist with a Certificate of Pre-authorisation; or
d. were admitted through the Accident & Emergency department in a hospital in Singapore; or
e. your claim was for any of the listed minor surgical procedures.
If you need assistance with Pre-authorisation activation, please call our 24/7 HealthShield hotline at 1800 248 8000.