For members who are covered under multiple schemes, the Ministry of Health has set out the following claims protocol to avoid duplicative payouts:

1. Employer, private insurance, other third party pays first

2. Followed by MediShield Life (MSHL)/Integrated Shield Plan (IP)

3. Then MediSave

4. Then Cash

MSHL/IP will pay for the portion of the bill that is not covered by employer, private insurance and other third-party payers, subject to claim limits, deductible and co-insurance. If you have filed a claim under MSHL/IP first and subsequently with a third-party payer, you or the third party payer must reimburse the relevant amount to MSHL/IP, in line with the claims protocol. The public/private healthcare institutions and the insurance industry have been informed of this claims protocol.