Medical Tourism — Insurance Pre-Authorization & Coordination
Your insurance, working for you in Singapore.
We coordinate pre-authorization, Letters of Guarantee, and direct billing with your insurer — so you arrive in Singapore knowing exactly what's covered, what's out-of-pocket, and how the bill gets paid.
Why pre-authorization matters
Most international and regional health insurance policies require pre-authorization for hospital admissions, surgical procedures, and high-value treatments such as oncology, cardiac surgery, IVF, and major orthopaedic procedures. Without proper pre-authorization:
- Your claim can be reduced or denied
- The hospital may require full upfront payment
- You may have to pursue reimbursement after the fact, with delays of weeks or months
With proper pre-authorization, your insurer guarantees coverage in advance, the hospital can bill the insurer directly through cashless arrangements, and you focus on recovery — not paperwork.
Insurers we coordinate with
We have working relationships with the most common international and regional health insurers used by patients travelling to Singapore for treatment.
International
- AXA Global Healthcare
- Allianz Care
- Bupa Global
- Cigna Global
- Aetna International
- IMG Global
- William Russell
- April International
Regional (Indonesia, Malaysia, Vietnam, Philippines, Thailand)
- AIA
- Prudential
- Manulife
- Great Eastern
- Allianz Indonesia / Vietnam / Malaysia
- Pacific Cross
- Generali
- FWD
If your insurer is not listed, we can usually still coordinate pre-authorization — share your policy details on WhatsApp and we will confirm within 24 hours.
What we do, step by step
Before treatment
- Review your insurance policy and confirm eligibility for the proposed treatment
- Submit pre-authorization request to your insurer with supporting medical records and treatment plan
- Liaise with your insurer's medical review team to answer queries and provide additional documentation
- Obtain written authorization (Letter of Guarantee or equivalent) from your insurer
- Confirm coverage scope, exclusions, and any out-of-pocket portion in writing — before you commit to travel
During treatment
- Coordinate hospital admission with the Letter of Guarantee in place
- Manage cashless billing between hospital and insurer where supported
- Real-time communication if treatment scope changes (for example, additional findings during surgery)
- Obtain extended authorization for any in-progress scope changes, before the cost is incurred
After treatment
- Submit final claim documentation to your insurer
- Manage any claim queries, reductions, or shortfall billing on your behalf
- Coordinate ongoing approval for post-discharge care, if applicable
Common scenarios that require pre-authorization
- Cancer treatment — chemotherapy, radiotherapy, surgical oncology
- Cardiac procedures — bypass, stenting, valve replacement, ablation
- Major surgery — orthopaedic joint replacement, spinal surgery, complex abdominal surgery
- Fertility treatment — IVF, IUI, fertility preservation
- High-cost diagnostics — PET-CT, advanced MRI protocols, genetic testing panels
- Inpatient admissions — most policies require pre-auth for any planned overnight stay
- Emergency admissions — retrospective pre-authorization within 24–48 hours of admission
What you need to provide
To start the pre-authorization process, please send us:
- A copy of your insurance policy schedule (showing benefits and coverage limits)
- A copy of your insurance card or membership certificate
- Recent medical reports relating to the condition
- Specialist referral letter, if available
- Identification (passport copy)
We handle everything from there. Most pre-authorization decisions take 3 to 7 business days for non-urgent cases, and 24 to 48 hours for urgent cases.
Self-pay patients
If you are paying for treatment yourself rather than through insurance, you do not need pre-authorization. We still help you:
- Compare hospital and specialist quotes against MOH-published fee benchmarks
- Set up a deposit and final payment schedule with the hospital
- Provide complete itemised invoicing for tax claims, employer reimbursement, or future insurance submission
Insurance Pre-Auth service fees
- For annual members: pre-authorization coordination is included at no additional charge
- For non-members (pay-as-you-go): SGD 28 standard (1 business day) · SGD 68 urgent (within 1 hour). See our full fee schedule.
- For full claim management during and after treatment: scaled to case complexity and quoted in advance, never as a percentage of your claim payout.