Scenario:
Ms. Tang went to see a doctor as she felt pain in her right eye. The doctor diagnosed the condition as a Right Upper Lid Chalazion (i.e. a boil in the upper eyelid). Incision and curettage of chalazion under local anaesthetic, which could be done in a clinic, was recommended by the doctor.

Question:
Ms. Tang preferred to receive the treatment as an in-patient, as she was insured with MSIG MediSure Plus. Would she be covered under this medical plan?

Answer:
In Ms. Tang’s case, she could actually receive the treatment as an outpatient in either a clinic or hospital. She would be covered under the extended Day Care Surgery benefit of the Hospital Treatment and Services section of her MediSure Plus policy. However, if Ms. Tang received the treatment as an in-patient, this would fall into the policy exclusion of her medical plan. This is because hospital in-patient treatment for conditions which can be properly treated as an outpatient, including hospitalisation primarily for diagnostic scanning, X-ray examinations or physiotherapy treatment, are excluded from the policy.

Many people have a misconception that only treatment received as in-patient can be covered by their medical plans. In fact, some medical insurance plans in the market such as MSIG MediSure Plus, also provide Day Care Surgery benefit. In this way, not only can the insured person avoid being hospitalised, they also help save medical resources for those really in need. You are advised to check the terms and conditions of your policies before being admitted to the hospital for non-emergency cases.

Learn more about our insurance plans:
CriticalCare 1.0
MediSure Plus
HospitalCare