Insurance Partners
At G&L Surgical Clinic, we place your health and well-being at the forefront.
Being a part of the renowned HSBC Life (formerly known as AXA Insurance) Shield Panel, among Singapore’s leading specialist networks, you can step into your health journey with the assurance of being in capable and trusted hands.
Understand your coverage with a HSBC Life Shield plan and the benefits you can experience if you choose to have your treatment with Dr Ganesh, a HSBC Life panel doctor. For more information, visit the HSBC Life website. Alternatively, reach out to our team and we will be happy to assist you.
What you will be covered for
In-patient Treatment: HSBC Life Shield offers coverage for medical costs incurred during your stay at a hospital for medical treatments or surgeries.
Out-patient Treatment: These are treatments that don’t require you to be admitted to a hospital, such as visits to a General Practitioner or a specialist for consultations.
Pre- and Post-hospitalisation Treatment: With HSBC Life Shield, you’re protected up to 180 days before your admission to a hospital and 365 days after your discharge. This includes consultations, medications, and necessary treatments related to the condition for which you were hospitalised.
What you cannot be covered for
Can I claim my treatment in full?
While HSBC Life Shield offers comprehensive coverage, there is a billable sum of minimum 5% co-payment. This means you’re required to bear at least 5% of the billable amount, ensuring policyholders play a part in managing their healthcare costs and minimising potential over-consumption.
For assistance on your insurance plan, feel free to contact G&L Surgical.
Will I need to pay upfront for my treatments?
In-patient: With HSBC Life Shield, if you’re being treated by the HSBC Life Panel of Specialists or Extended Panel, a Letter of Guarantee (LOG) can be issued which ensures a cashless hospitalisation process. This means you don’t need to pay upfront; HSBC will directly settle the bills with the hospital.
Out-patient & Pre-post Hospitalisation Consultations: In scenarios like visits to a clinic, General Practitioner, or specialist consultations before or after hospitalisation, you’ll typically need to pay upfront. Later, you can claim reimbursement from HSBC Life Shield for the covered amount. It’s crucial to keep all bills and receipts to facilitate this reimbursement process.
A Letter of Guarantee (LOG) is a written assurance provided by an insurance company to a medical institution, pledging to cover specific medical costs for a policyholder’s treatment or hospitalisation. It offers peace of mind to both the patient and the hospital, as it ensures that the bills will be settled directly by the insurer, facilitating a cashless experience for the patient.
The LOG outlines the maximum amount that the insurer is committed to cover, reducing the financial burden on the patient at the point of admission.
What is the maximum LOG amount that can be issued by HSBC Life Shield?
An enhanced Letter of Guarantee allows patients to receive cashless services of up to $150,000 and a co-payment sum capped at $3000 when treated by our surgeons.
How do I request for the HSBC Life Shield LOG with G&L Surgical?
Follow these steps:
How long will it take for the LOG to be issued?
The LOG will usually be issued to the hospital 2-3 days after the request is made, provided all criteria are met.
Understand the steps needed to submit your insurance claim. Contact our clinic and we will be happy to assist you with your claim.
Submitting Documents
For inpatient procedures: Patients who are hospitalised during the course of their procedure will be assisted via the hospital’s administration to do an e-filing for your insurance claims.
For outpatient procedures: Patients can submit their claims and the necessary documents through various channels:
Alternatively, feel free to reach out to the G&L Surgical team and we will assist you with your claims.
After submitting your claim
After submission of your claims, HSBC typically begins the processing of your claim. Depending on the complexity, it can range from a few days to a few weeks.
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