Insurance Partners
At G&L Surgical Clinic, your health and well-being are our top priorities.
With our membership in the distinguished Prudential PRUShield Panel, one of Singapore’s most all-encompassing specialist networks, you can embark on your health journey knowing you’re in safe and trusted hands.
Understand your coverage with a Prudential PRUShield plan and the benefits you can experience if you choose to have your treatment with Dr Ganesh, a Prudential panel doctor. For more information, visit the Prudential website. Alternatively, reach out to our team and we will be happy to assist you.
What you will be covered for
In-patient Treatment: This relates to medical care provided when you’re admitted to a hospital. With PRUShield, you’re covered for hospital stays, including the cost of the room, medications, and any necessary surgical procedures.
Out-patient Treatment: This encompasses medical care where hospital admission isn’t required. Common examples include specialist consultations, diagnostic procedures, and day surgeries.
Pre-post Hospitalisation Treatment: PRUShield provides coverage for medical expenses incurred before your hospitalisation (pre-hospitalisation) and after your discharge (post-hospitalisation). This can include consultations, medications, and follow-up treatments related to the condition for which you were hospitalised.
What you cannot be covered for
Can I claim my treatment in full?
While PRUShield 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 Treatment: PRUShield provides a cashless experience for in-patient treatments with a Letter of Guarantee (LOG). This means that, in most cases, you won’t need to pay upfront; the costs will be directly settled with the medical provider.
Out-patient & Pre-post Hospitalisation Consultations: These scenarios typically refer to medical care before you’re admitted to a hospital (like consultations leading to a surgery) and after you’ve been discharged (such as follow-up appointments). For these treatments, you’ll need to pay upfront. Once the treatment is completed, you can then submit a claim to Prudential for reimbursement. At G&L Surgical, we are happy to assist you with your insurance claims.
A Letter of Guarantee (LOG) is an official assurance provided by an insurance company, like Prudential’s PRUShield, to a healthcare institution. This letter confirms the insurer’s commitment to cover specific medical expenses on behalf of the policyholder up to an agreed amount.
Essentially, it provides a cashless hospitalisation experience, ensuring the policyholder doesn’t have to bear the financial burden upfront and facilitates direct settlement between the medical institution and the insurer.
What is the maximum LOG amount that can be issued by Prudential PRUShield?
With the enhanced Letter of Guarantee, policyholders of Prudential PRUShield have a maximum amount issued of up to $30,000.
How do I request for the Prudential PRUShield LOG with G&L Surgical?
To request a LOG for treatment at G&L Surgical, you’d typically need to:
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
Once Prudential receives your claim and the necessary documentation, they’ll begin processing it. The duration can vary based on the complexity of the claim, but generally, claims are processed within a few days to a few weeks.
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