Orthopaedic care doesn’t come cheap.
It’s a concern that requires specialist care that may require a range of treatments where the cost can stack up over time. Fortunately, there are different insurance coverage to help us afford these services without cutting back on the quality of care we receive.
The Dr Andrew Quoc Dutton Orthopaedic & Sports Clinic, we partner with different insurance providers in Singapore. We look at each of them below and what can be expected of them if we come to seek orthopaedic care.
Ranked 4th among the Singapore insurance companies, AIA has been in Singapore since 1931. They’re known for their life insurance policies and variations of it such as medical, accident, and critical illness protection. It allows you to gain access to over 290 specialists, each with a minimum of 5 years of specialist experience.
If you seek orthopaedic care, it covers pre-hospitalisation which includes pre-negotiated outpatient consultation fees. It also covers hospitalisation that comes with worry-free treatment through their AIA HealthShield pre-authorisation requests that allows you to bill directly with the hospital, day surgery centre, or clinic. Treatment bills are covered fully within 100 to 180 days prior to hospitalisation stay.
After hospitalisation, treatments are also covered within 100-180 days or up to 13 months after hospitalisation. Your bill for critical illnesses is also covered fully within 100 days after hospitalisation. If you have to undergo surgery, all MediSave-listed surgical procedures are also covered, including organ and cellular transplants, as well as surgical implants.
Alliance is a one-stop provider of corporate healthcare in Singapore. It is a physician-led and physician-owned healthcare organisation that harnesses the power of technology and patient data to provide cost-effective and efficient services for our patients and corporate clients.
You can seek help through in-house specialists which comprises 4 experienced specialists from 3 medical specialities in Colorectal, ENT (Ear Nose Throat) and Orthopaedic surgeries – a department helmed by Dr Andrew Dutton. They provide treatments with 5 specialist clinics in the region.
Singaporean men should be familiar with Aviva since it is the appointed insurer for National Service, so you’ve probably been under their protection before. They’re known as a composite insurer because they provide life insurance as well as non-life insurance (property, motor and travel). However, if you are planning to get orthopaedic treatments, you can enjoy the following benefits with this card:
It provides full coverage for your hospital accommodation (e.g. room, board, medical-related services, Intensive Care Unit (ICU) expenses) and MediSave-approved surgeries. However, co-insurance, deductibles, and proration factors may apply. Adding to that, it also covers up to 180 days of pre-hospitalisation coverage for treatments, including any Accident and Emergency (A&E) treatments 24 hours prior to hospitalisation.
Aviva also offers up to 365 days post-hospitalisation coverage for treatments if you get it at pre-authorised private hospitals, restructured, or community hospitals. It can also cover planned inpatient treatments, emergency care, and preventive cancer surgery (for those who filed a claim for cancer treatment with Aviva MyShield) in Aviva pre-authorised hospitals. You can also get discounted premiums for your children if you and your partner are Aviva MyShield policyholders.
5. Great Eastern
In 2nd place is GE, an insurance firm that’s among the largest and oldest in Singapore and Malaysia, making it the most established insurers in the market. GE Life has been around since 1908 and has served over a million clients.
You can access and check your policy anytime using the Great Eastern HealthConnect, which is an over-the-phone or email medical concierge service to help you book medical consultation appointments with Great Eastern’s panel of doctors, clinics, and hospitals.
AXA insurance also offers full coverage for different healthcare accommodations (e.g. daily hospitalisation ward, board, ICU, and short-stay wards in public hospitals and community hospitals). That includes miscellaneous fees such as meals, prescription, doctors’ fees, etc.
Any orthopaedic cancers have outpatient cancer coverage for chemotherapy, stereotactic radiotherapy, immunotherapy, and radiotherapy. In addition, AXA also provides benefits for congenital abnormalities for yourself and your biological child (for female individuals).
If you are a Great Eastern policyholder, you can book a consultation with Dr Andrew Dutton here.
Cigna is one of the trusted health insurance companies in the United States that also offers local expertise and healthcare coverage solutions here in Singapore. They have a large network with over 500,000 physicians and more than 8,000 hospitals in its network.
They are also known to have low-cost coverage where consumers can choose among a variety of plans (gold, silver and platinum). Since it is internationally acknowledged, your coverage includes provisions for emergency and urgent care, even while abroad.
Cigna may not be the best choice for healthy, cost-conscious consumers due to its costly basic plan, it can definitely provide value to consumers willing to spend extra to receive comprehensive coverage with no annual limits. For example, if you were to undergo orthopaedic surgery, it provides full coverage for the procedure, hospital charges, intensive care, surgeon and anaesthetists’ fees.
7. Fullerton Health
Fullerton Health specializes in designing customized medical services for corporate and insurer clients. They work with around 25,000 companies across Asia-Pacific to provide employers and employees with access to affordable healthcare services. They have an extensive network of healthcare facilities across 9 markets and partner with established and reputable healthcare providers in the region, and among them is Dr Andrew Dutton.
Under orthopaedics, they cover a range of services which includes:
- Adult Reconstruction surgery
- Arthroscopic surgery
- Sports surgery
- Treatment for certain foot and ankle problems
- Treatment for certain spinal problems
- Office orthopaedics
- Trauma surgery
8. IHP (Integrated Health Plans)
IHP was established in 1994 and it provides managed healthcare services to corporate clients ranging from SMEs to MNCs. They provide organisations with quality medical care at competitive rates regardless of business size. They work with a broad range of medical providers across different specialities who are sensitive to the increasing cost of healthcare.
IHP comes in to negotiate significant rate concessions with providers and establish quality assurance processes to ensure a good quality standard of medical care.
MHC brings healthcare and technology together to increase efficiency and ensure transparency in managing healthcare costs.
Equipped with strong AI and analytical capabilities, they run powerful algorithms to flag out, combat and contain escalating healthcare costs. They customise different tiered benefits through different schemes including cap per visit, annual cap, annual combined with per visit cap, co-payment, etc.
Their approach to healthcare coverage is geared towards early intervention in disease management to provide a favorable outcome. To meet this goal, they designed a wide selection of EHS (Executive Health Screening) packages to cater to different needs. Through its screening and laboratory testing, MHC also allows you to connect with a medical team with over 20 years of experience, of which Dr Andrew Dutton is a part of.
10. Parkway Shenton
Parkway also offers Third Party Administration (TPA) services that administer medical/flex benefits. As a third party administrator, they tightly manage the processes across benefit enrolment, claim submission, enquiries and more. They ensure accurate and timely processing of claims, monitor clinics with exceptions in bill sizes, and counsel those with high bill sizes to effectively manage costs without compromising on the quality of medical care.
They also build and maintain in-house clinics and wellness centres tailored to your specific needs. Besides general medicine, they also cover other clinical specialities and subspecialties that includes the whole gamut of orthopaedic care. They also set up these services in convenient and easily accessible facilities.
11. NTUC Income
NTUC Income is an insurance cooperative in Singapore. It was established in 1970 with the objective of providing insurance protection to the masses, at a time when life insurance was a luxury only the higher income group could afford. It is a well-performing composite insurer in Singapore and one of the largest general insurers and health insurance providers.
This insurance covers hospitalisation and eligible inpatient hospital treatment expenses caused by illnesses, injuries and other medical conditions.
If you have this policy, you can connect with Dr Andrew Dutton for your orthopaedic concerns, here.
12. Raffles Health Insurance
Raffles Shield Plans complements your MediShield Life. The company developed 4 different plans to cover most healthcare needs. On top of your MediShield Life, the different coverage includes the Raffles Shield Private, Raffles Shield A, Raffles Shield B, and Raffles Shield Standard.
Raffles Shield is a great hospitalisation insurance plan if you intend to seek medical treatment at Raffles Hospital. Benefits include coverage for ward, ICU, surgeries, pre-and post-hospitalisation, outpatient kidney dialysis, chemotherapy, and more.
It has a 1,500,000 Maximum Annual Coverage Limit, 180 days Pre-Hospitalisation Benefit, and 365 days
If you happen to need orthopaedic care, you can make your doctor visits affordable with Dr Andrew Dutton because he partners with the different insurance arrangements mentioned above. If you are under the coverage mentioned here, find the care you need and come in for a comprehensive consultation today.