Insurance &
Corporate Health Coverage

Cashless or direct billing arrangements are available for selected corporate insurance plans, depending on your insurer and your chosen doctor’s panel. Under a cashless arrangement, eligible consultation and treatment costs may be billed directly to your insurer, reducing the need for upfront payment at the clinic.

To confirm whether your corporate plan qualifies for cashless payment at Arden Endocrinology, we recommend contacting our clinic team in advance of your appointment. Our staff will verify your coverage and advise on the documentation required.

Many corporate health insurance plans in Singapore cover specialist consultations, including endocrinology. However, coverage terms, eligible conditions, and panel arrangements vary between insurers and
individual plan types.

We recommend confirming with your HR department or insurer whether endocrinology specialist consultations are included under your corporate plan, and whether a referral or pre-authorisation is required before your visit.

This depends on the terms of your specific corporate insurance plan. Some plans require a GP referral letter before a specialist consultation is eligible for coverage, while others allow direct specialist access. We recommend checking with your insurer or HR benefits administrator before booking your appointment to avoid any issues with your claim.

Direct billing, also referred to as cashless billing, is an arrangement whereby eligible consultation and treatment costs are billed directly to your insurer rather than requiring full upfront payment from you at the time of your visit.

Where direct billing is available, your out-of-pocket payment at the clinic may be limited to any co-payment, deductible, or charges not covered by your plan. Not all services may be eligible for direct billing, and pre-authorisation from your insurer may be required for certain investigations or procedures.

We recommend bringing the following:

• Your insurance card or digital policy confirmation
• A Letter of Guarantee (LOG) or pre-authorisation, if required by your insurer
• Your NRIC or passport for identity verification
• Any referral letters from your GP or previous specialists
• A list of current medications, if applicable

If you are unsure what documentation is required, please contact our clinic team before your appointment and we will be happy to advise.

Yes, in most cases. If cashless billing is not available or was not arranged in advance, you may pay for your consultation and
services at the clinic and subsequently submit a reimbursement claim to your corporate insurer. We are able to provide an official receipt and tax invoice to support your claim submission.

Please check with your insurer regarding their reimbursement process, required documentation, and any submission deadlines that may apply under your corporate plan.

Coverage for diagnostic investigations — such as blood tests, thyroid ultrasound, bone density (DEXA) scans, or continuous glucose
monitoring — depends on your individual corporate insurance plan and its specific coverage terms.

Some plans cover investigations performed during a specialist consultation, while others may require separate pre-authorisation.
We recommend confirming coverage details with your insurer prior to your appointment. Our clinic team can provide a cost estimate for planned investigations upon request.

Coverage under Integrated Shield Plans for outpatient specialist consultations is subject to the terms of your specific plan. Inpatient
and certain day-surgery benefits are more commonly included, whereas outpatient specialist consultations may fall under a separate rider or may not be covered depending on your plan tier.

We recommend checking with your IP insurer directly to confirm whether outpatient endocrinology consultations at a private specialist clinic are covered under your current plan.