The road to recovery can be a stressful period, and we understand that costing and finance may be a concern.
CFCH is on the panel of most major insurance partners and third-party administrators. Please do not hesitate to speak to our clinic staff for more information. Additionally, CFCH accepts all patients with or without insurance, and are happy to help you understand the fees involved and the financing options available to you.
Should you have any other queries regarding your insurance or claims, get in touch with us and rest assured that we will do all that we can to make your journey with us as smooth as possible.
At CFCH, the following modes of payment are accepted, including:
MediShield Life is a basic health insurance plan administered by the Central Provident Fund (CPF) Board, aimed at aiding Singaporeans and Permanent Residents (PRs) pay for large hospital bills and selected costly outpatient treatments. For example, dialysis and chemotherapy for cancer. It is structured to make healthcare more manageable in Singapore, so that patients pay less MediSave/cash for large hospital bills.
You can read more about Medishield Life here.
MediSave is a national medical savings scheme that helps Singaporeans and Permanent Residents (PRs) set aside part of their income to pay for either personal or approved dependents’ hospitalisation, day surgery and certain outpatient expenses. Additionally, MediSave can be utilised for healthcare needs in old age.
MediSave withdrawal limits are adjusted to ensure that Singaporeans and PRs have adequate savings to support their basic healthcare needs later in life. Withdrawal limits will typically cover most charges incurred at subsidised inpatient wards and outpatient treatments.
You can read more about Medisave here.
MediShield Life is included in all Integrated Shield plans and will cover you for life. This consists of all pre-existing conditions and applies even if pre-existing conditions are excluded from your private insurer’s additional portion of your Integrated Shield plan.
If you have an Integrated Shield plan, you will also receive subsidies for the MediShield Life component, if eligible. These are the Integrated Shield Plans (IPs) available on the market.
Will I receive coverage for treatment at private or specialist clinics under my Integrated Shield Plan?
If your Integrated Shield Plan is under any of the approved private insurers listed above, you can expect coverage for your treatment. The enhanced plan is combined to provide protection on top of the subsidies received from your MediShield Life plan.
For more information on the withdrawal limits and coverage available to you, speak to your insurer.
What is the difference between MediShield Life and Integrated Shield Plans?
MediShield Life covers you for life, including any pre-existing conditions, even if it is not covered under one’s Integrated Shield Plan.
There are also differences in the monthly coverage granted per month and treatment under the outpatient portion for MediShield Life. On the other hand, the Integrated Shield Plan provides additional coverage on top of what is given by MediShield Life.
Do note that outpatient coverage varies under private insurers. For more information, please speak to your insurer about your Integrated Shield Plan.
How can I check if I have an Integrated Shield Plan covering private and specialist clinics?
To check if your Integrated Shield Plan provides coverage for treatment at private and specialist clinics, log in to your CPF account via Singpass.
You can do this by:
For more information on your policy, please get in touch with your insurer. Additionally, you can read more about Integrated Shield Plans here.
Some companies provide additional medical benefits under your company’s group health insurance plan. For more information, please speak to your Human Resource Department.
You may be entitled to cashless treatment and procedures if your company’s insurance plan is listed below. However, you may require a referral letter from your general practitioner for your initial visit to our clinic.
The various health insurance plans include the following:
The categories within your insurance plan best suited to cover treatment from CFCH may include Cancer Insurance, Critical Illness, Health Insurance, etc.
You may want to contact your insurer to verify your eligibility when making a claim.
International patients holding insurance plans that provide coverage globally should contact their insurer to obtain further information on their medical coverage. Once you have received a Letter of Guarantee (LoG), direct billing arrangements can be made with your insurer.
CFCH works with many other private insurers, please do not hesitate to contact us directly so that we can help make the necessary arrangements for you.
Make an appointment with CFCH here.
Hear from our patients who have found hope and healing through our compassionate care and support on their recovery journeys.
From the bottom of our hearts, we would like to express our deepest appreciation to Dr. Ng Chin Hin for his professionalism, genuine caring and empathy during every medical consultation with my father. He always strive to make every session less tense and more comforting. His kindness and values are rare to find, especially in the private healthcare sector, and we believe he will be blessed in many ways. We are truly grateful and highly recommend him.
Jess Loo 22nd Nov, 2025