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Frequently Asked Questions (FAQs)

Q: Why does it take so long to receive the final bill and refunds for deposit made?
A: After the day surgery procedure, SNEC will submit the patient’s bill to Central Provident Fund (CPF) and the Medical insurer* to assess the claims. Patients will receive the finalised bill typically about a few days to two weeks after the surgery date.

If the insurer requires clarification on the medical claims then the processing time may take longer. The final bill will reflect the outstanding amount which needs to be paid. 

Q: I lost or cannot find my original tax invoice. Can I obtain another copy?
 A: Yes, you may obtain a duplicate certified true copy of the tax invoice. There is a charge of S$5.35 per duplicate invoice. Please contact Business Office at (65) 6322 8837.

However, if you opt in to Mobile Pay or Online payment you can download the invoice from your mobile phone or log in with your SingPass.

Q: I am a Civil Service Card (CSC) Holder. How is the payout on the medical bills going to be like?
A: The payout of your medical bills is dependable on your medical benefit schemes. SNEC submits your medical bills online to Accountant General Department (AGD) office for them to process the medical claims and payout amounts.

For queries on CSC medical benefits and bill items exclusions, please contact AGD office or click here for queries relating to your CSC medical benefit schemes.

Q: What is the difference between Medisave, Flexi-Medisave, Medishield and insurance? How can I use them to pay for my medical bills?
A: You can use your Medisave to pay for your surgical bills for yourself or your immediate family members including your spouse, children, parents and grandparents. They can be of any nationality, except for grandparents who must be Singapore Citizens or Permanent Residents.

Medisave CAN be used at SNEC for the following:
Who can I use my Medisave for?
You can use your MediSave for yourself or your immediate family members which include your spouse, children, parents and grandparents. They can be of any nationality, except for grandparents who must be Singapore Citizens or Permanent Residents.

Flexi-Medisave for the Elderly
Flexi-Medisave allows older Singaporeans to use up to S$300 from their Medisave accounts per year for outpatient treatments at public hospitals' specialist outpatient clinics, polyclinics and general practitioners participating in the Community Health Assist Scheme (CHAS).

Medishield for Singaporeans and Permanent Residents
MediShield Life is a basic health insurance plan, administered by the Central Provident Fund (CPF) Board, which helps to pay for large hospital bills and selected costly outpatient treatments, such as dialysis and chemotherapy for cancer.

MediShield Life coverage is sized for subsidised treatment in public hospitals.  Medishield Life can be used to pay for your day surgical bill. Private paying patients are also covered by MediShield Life.  However, as MediShield Life payouts are pegged at subsidised treatment cost, the MediShield Life payout will make up a small proportion of the bill only. The patient may therefore need to pay more of their bill from Medisave and/or cash.

Apart from the MediShield scheme, you can upgrade your plan to Medisave-approved Integrated Shield plans offered by private insurers.

Medisave-approved Integrated Shield or Private Medical Insurance (PMI)

An Integrated Shield Plan (IP) is a medical insurance plan which offers additional benefits on top of that provided by MediShield Life.

If you are covered by one of the following plans, you have an integrated plan.

Q: What is a letter of guarantee (LOG)? Why do I need to submit a LOG before surgery?
A letter of guarantee (LOG) is an assurance of payment offered by insurers to hospitals, on behalf of a patient, for the portion of the hospital bill covered by insurance. The purpose of the LOG is for you to obtain a waiver of the upfront cash deposit required by the hospital. Most of the time, the LOG is only applicable to hospitalisation and surgery, it does not apply to outpatient treatment.

Please note that the issuance of a LOG does not mean that insurer approves or admits any claim. The claim will still be subject to a review by the insurer.

If your company is paying for your surgery bills, you should email your company LOG to SNEC Business Office at email: prior to your surgery.  A company LOG is an assurance of payment by the patient’s company to hospitals, on behalf of their employees for the portion of the hospital bills.

Q: Where can I view my outstanding bills and how can I make payment?
Click here to view and pay your outstanding bills.

Q:  I have overpaid my medical bills. How do I get back my refund? 

Refunds, if any, shall be used to offset against all outstanding Day Surgery, outpatient and/or pharmacy bills. For payments made via credit card, refunds will be credited back to the same credit card upon request to

For payments via cash, NETS or cheque, refunds will be made via cheque or cash (upon request). Your refund will be processed 3-4 working weeks after the final bill date.