Insurance, Costing, G & L Surgical Clinic Singapore, Dr Ganesh Ramalingam

At G & L Surgical Clinic, we understand that while costing and financing may be a concern for our patients, we want you to be able to prioritise your health. 

G&L Surgical Clinic works with most major insurance partners Prudential, AXA, Aviva, AIA, Great Easterm, NTUC Income and Tokio Marine. Our friendly team and clinic staff are happy to help you understand the fees and work with you to understand your financing options to allow you to focus on what matters the most, your road to recovery. 

G & L Surgical Clinic accepts all patients, with or without insurance. If you wish to seek treatment with us, but your insurer is currently not included in the list below, rest assured that we will do everything we can to aid you in making the necessary claims.

If you have any queries regarding our personal and company insurance benefits, speak to our staff for more information. We can also assist you in applying for a Letter of Guarantee from the relevant insurance partners to help ensure a smooth and worry-free medical journey with us.

Please reach out to us and speak to our friendly staff at +65 6255 1234 or email us at for further assistance.

Integrated Shield Plans

Integrated Shield Plan Singapore, Insurance, Costing, Medical Insurance, G & L Surgical Clinic Singapore, Dr Ganesh Ramalingam, Costing and Finance

Patients affiliated with the following Integrated Shield Plans will enjoy the following benefits when receiving treatment at G & L Surgical Clinic:

Prudential: Speak to our clinic staff about cashless procedures under Prudential’s PRUExtra as a Premier client. 

Additionally, patients with personal Prudential PRUShield plans can expect reimbursement of pre- and post-hospitalisation fees for up to 180 and 365 days, respectively. Patients under this plan will also enjoy an enhanced Letter of Guarantee (allowing for cashless services of up to $30,000).  

Pre-authorisation (by Business Office) is required for patients with no electronic letter of guarantee (eLOG).

AXA: Patients at G & L Surgical Clinic under AXA personal insurance plan can expect their pre- and post-hospitalisation bills to be claimable for up to 180 and 365 days, respectively. 

Additionally, an enhanced Letter of Guarantee allows patients to receive cashless services of up to $150,000 and a co-payment sum capped at $3000 when treated by our surgeons. 

Singlife Aviva: With Singlife Shield, patients can expect pre-authorisation letters to ensure that their premiums will cover the treatment they require.  

Patients can also enjoy peace of mind knowing that they will be reimbursed for pre- and post-hospitalisation fees for up to 180 and 365 days, respectively. 

AIA:  For Patients with AIA Healthshield Gold Max A plan co-payment is 5% regardless of Panel/Non-panel doctors and capped at $3,000. The $3,000 may be payable by Medisave  or other insurance plan depending on the treatment plan. 

Great Eastern: Supreme Health P Plus 

Third-Party Administrators & Other Insurance Partners

Our clinic accepts these Third-Party Administrators & Other Insurance Partners:

Adept, Cigna, IHP, Parkway Shenton, Now Health International, MHC, Tokio Marine, Great Eastern, NTUC Income, 

Employees of companies holding a DA Adept Health Employee Benefits card can expect benefits such as cashless consultations, investigative procedures, and medications – or a co-payment sum of these bills when seeking treatment from our surgeons. 

Speak to our G & L Surgical Clinic’s staff for more information on the benefits available to you and how you should go about making these claims.

Do not hesitate to reach out to us at +65 6255 1234 or email us at if you have any questions or concerns regarding your insurance plans and claimable benefits. Our team is dedicated to helping you at every step of your road to recovery. 

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