When choosing a health insurance plan in Singapore, one important thing to check is whether it covers panel doctors. These are doctors or specialists that your insurance company has approved to provide medical care at lower, pre-agreed rates. If you visit a panel doctor, your insurance will usually cover a bigger part of your medical bill. But if you go to a non-panel doctor, you might have to pay more out of your own pocket.

So, how does this work? And how can you make sure you’re getting the most out of your insurance? Let’s break it down.

Learn more: Health Insurance In Singapore

Browse Health Screening Packages in 365mall

Find a Doctor

What Are Panel Doctors?

Panel doctors are healthcare providers who have agreements with insurance companies to offer medical services at special rates. These doctors can be general practitioners (GPs) or specialists.

Why do insurers have panel doctors? It helps them control healthcare costs, and it also gives patients easier access to affordable and reliable medical care. Since panel doctors work within the insurer’s network, claims are often processed faster, and you may get additional benefits such as full or partial coverage for treatments.

Why Should You Choose a Panel Doctor?

If your health insurance plan includes panel doctors, using them can have several advantages:

• Lower Costs – You’ll pay less because insurers negotiate lower rates with panel doctors.
• Faster Claims Processing – Since these doctors are already in the system, claims are usually processed more quickly.
• Higher Coverage – Some insurers provide higher reimbursement rates if you visit a panel doctor. For example, Singlife Shield policyholders can access over 600 specialists without needing pre-approval.

Can You Visit a Non-Panel Doctor?

Yes, you can. But be prepared for higher out-of-pocket costs.

Some insurance plans allow you to claim expenses even if you visit a non-panel doctor, but the coverage amount will be lower. For example, if your insurer covers 90% of costs at a panel doctor, they may only cover 60-70% if you go to a non-panel doctor.

Some plans require pre-approval before seeing a non-panel specialist. If you don’t get approval, your insurer might reject your claim.

How to Check If a Doctor is in Your Insurer’s Panel

Each insurer provides a directory of approved doctors. Before booking an appointment, it’s best to check:

• AIA Singapore – Offers a network of 600+ specialists under its AIA Quality Healthcare Partners program. 
• Cigna Healthcare – Provides access to 1,800+ medical practitioners in Singapore. 
• Great Eastern offers a Health Connect Panel with more than 700 private specialists across various medical specialties.
• Singlife – Has a direct billing arrangement with 600+ doctors for cashless consultations. 

Most insurers have searchable online directories where you can enter a doctor’s name and check their panel status.