You coordinate your employer insurance and Integrated Shield Plan to claim eligible hospital expenses without exceeding the actual bill. Many Singaporeans have both an employer-provided group medical plan and a personal Integrated Shield Plan, also known as an IP. These two types of coverage can work together, but they follow different claim rules, limits, and payment structures. This guide explains how to claim hospital bills through employer insurance and an Integrated Shield Plan, which plan pays first, how the claims work together, and why you cannot claim the same expense twice. In most cases, use employer group insurance first, then claim any remaining eligible balance under your Integrated Shield Plan. Key takeaways

• Employer group insurance typically pays first, up to the policy limit.
• An Integrated Shield Plan may cover the remaining eligible bill, subject to the deductible, co-insurance, rider terms, claim limits, and non-claimable items.
• Double claiming is not permitted because total reimbursement cannot exceed the actual hospital bill.

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