This page explains the usual ways to pay for consultations, tests and scopes with Dr Chia. Fees are not listed on this website. The clinic can give you a cost estimate before any procedure, and can help you check what your insurance or company plan covers.
Consultations and clinic tests
Consultations, and tests done at the clinic such as blood tests, breath tests and FibroScan, are usually paid at the clinic on the day. If your company medical plan or insurance covers outpatient specialist visits, the clinic can bill it directly or give you the documents to claim. Some plans need a referral letter from a GP or company doctor first.
Gastroscopy and colonoscopy
- MediSave. MediSave can generally be used for day procedures such as gastroscopy and colonoscopy, up to the withdrawal limits set by the Ministry of Health. The clinic can tell you how much may be claimed for your procedure.
- MediShield Life and Integrated Shield Plans. These may cover a scope that is medically needed. Dr Chia is on the specialist panels of AIA, Great Eastern, HSBC Life, Income, Prudential, Raffles Shield and Singlife. What you pay yourself, such as the deductible and co-insurance, depends on your plan and any rider.
- Company plans. Dr Chia is on the panels of the third-party administrators Alliance Medinet, DA Adept, Fullerton Health, IHP, iXchange (Medixchange), MHC and Singapore Assurance Healthcare (SAH). Many company plans need approval before a scope.
- International insurers. Dr Chia is on the panels of Allianz Care, BUPA and Raffles Health Insurance. Direct billing usually needs approval from the insurer first. Otherwise, you pay and then claim.
Scopes done for screening, when you have no symptoms, are not always covered by insurance. Ask your insurer if you are unsure.
Pre-authorisation and letters of guarantee
For a planned scope, most insurers can approve the claim before the procedure. This is called pre-authorisation. Company plans often issue a letter of guarantee (LOG) instead. Either way, the insurer agrees in advance to pay its share directly, so you do not need to pay the whole bill first and claim later.
- At the consultation, tell the clinic which insurer or company plan you have, and show your policy details or medical card.
- The clinic sends the request, with the medical details, to your insurer or administrator.
- The insurer replies, usually within a few working days. It can take longer if a referral letter or more information is needed.
- On the day of the procedure, you pay only the part that is not covered, if any.
A short checklist
- Bring your NRIC or passport, and your insurance or company medical card, or e-card.
- Check with your insurer or HR whether you need a referral letter.
- Ask the clinic for a cost estimate before a planned procedure.
- Ask whether pre-authorisation or a letter of guarantee has been approved before the procedure day.
The full list of insurers and administrators is on the clinics page. See also your first visit.
General information only. Reviewed by Dr Chia Chung King, 2026-11-07. Book a consultation.