Our Insurance Policy
Chiropractic Insurance Claims in Singapore: A Guide for Dr. Chiro Practice Members and Clients
Many practice members and clients ask whether chiropractic care can be claimed through insurance in Singapore.
The answer depends on your insurance policy, rider, benefit schedule, and claim requirements. While chiropractic care is generally not covered by Medisave or MediShield Life, many private insurance plans, corporate health plans, personal accident policies, and international medical insurance plans may provide reimbursement for chiropractic treatment.
Practice members and clients receiving care at Dr. Chiro have successfully submitted claims through a variety of insurers, including AIA, Great Eastern, Prudential, Income Insurance, Cigna, HSBC Life, Bupa, Aetna, AXA Global Healthcare, and other international insurers. However, coverage is determined by the specific benefits within your policy rather than the insurer’s name alone.
We strongly recommend contacting your insurer before your first appointment to confirm your eligibility, coverage limits, and claim procedures.
Medisave and MediShield Life
At present, chiropractic care is not claimable under Medisave or MediShield Life.
The Ministry of Health (MOH) does not currently classify chiropractic as a Medisave-accredited outpatient service. As a result, chiropractic consultations, examinations, assessments, and adjustments performed at private chiropractic clinics in Singapore cannot be paid for using Medisave funds.
This applies to all chiropractic clinics in Singapore, including Dr. Chiro.
Types of Insurance That May Cover Chiropractic Care
The most common forms of insurance coverage for chiropractic care include:
- Personal Accident Insurance
- Corporate Group Medical Insurance
- International and Expatriate Health Insurance
- Allied Health and Complementary Therapy Benefits
Coverage limits, exclusions, co-payments, and claim requirements vary significantly between insurers and plans.
Personal Accident Insurance
Personal Accident (PA) insurance is one of the most common ways practice members and clients obtain reimbursement for chiropractic care.
Coverage is typically available when treatment is related to an insured accident, including:
- Sports injuries
- Slips and falls
- Motor vehicle accidents
- Workplace accidents
- Other accidental injuries
Most personal accident policies provide benefits on a per-accident basis, meaning each new accident may trigger a new claim limit.
Personal accident coverage generally does not apply to routine wellness care, maintenance care, preventive care, or chronic conditions without a specific accident event.
Practice members and clients should verify eligibility directly with their insurer before commencing treatment.
Allied Health and Complementary Therapy Benefits
Some private medical plans and Integrated Shield Plan riders include benefits for allied health or complementary healthcare services.
These benefits may cover:
- Chiropractic care
- Physiotherapy
- Traditional Chinese Medicine (TCM)
- Osteopathy
- Other complementary therapies
Coverage is typically subject to an annual benefit limit which resets each policy year.
When reviewing your policy documents, look for terms such as:
- Allied Health Benefits
- Complementary Medicine Benefits
- Alternative Therapy Benefits
- Rehabilitation Benefits
- Outpatient Therapy Benefits
If chiropractic care is specifically listed under covered services, routine chiropractic treatment may qualify for reimbursement.
Corporate Group Medical Insurance
Many employer-sponsored medical plans provide coverage for chiropractic care.
Corporate plans may classify chiropractic services under:
- Specialist outpatient benefits
- Allied health benefits
- Rehabilitation services
- Complementary healthcare benefits
If you are covered under a company medical plan, we recommend checking with your Human Resources department to determine:
- Whether chiropractic care is covered
- Annual benefit limits
- Co-payment requirements
- Whether dependants are covered
- Any specific claim requirements
Coverage for spouses and children may differ from that of the primary policyholder.
International and Expatriate Health Insurance
Practice members and clients holding international medical insurance plans often enjoy broader outpatient healthcare benefits than standard local Singapore policies.
Examples of international insurers whose plans may include chiropractic benefits include:
- Cigna
- Bupa
- Aetna
- AXA Global Healthcare
- HSBC Life
- AIA International Plans
- Other expatriate and international health insurance providers
Depending on the plan tier, chiropractic care may be covered under:
- Outpatient medical benefits
- Allied health benefits
- Rehabilitation benefits
- Complementary healthcare benefits
Practice members and clients should contact their insurer before commencing care to confirm their benefits and any claim requirements.
Professional Registration and Practitioner Eligibility
Some insurers require chiropractors to meet specific professional eligibility requirements before processing claims.
Depending on the insurer, this may include membership in recognised professional organisations such as:
- Alliance of Chiropractic Singapore (AOC)
- Chiropractic Association of Singapore (CAS)
Certain insurers may request confirmation that the treating chiropractor is a member of one of these professional associations before approving reimbursement.
Dr. Chiro’s chiropractors maintain professional memberships and qualifications and can provide supporting documentation where required.
Because insurer requirements differ, practice members and clients should confirm practitioner eligibility requirements directly with their insurer before beginning care.
Insurers Our Practice Members and Clients Have Successfully Claimed Through
Practice members and clients receiving care at Dr. Chiro have successfully submitted claims through insurers including:
- AIA
- Great Eastern
- Prudential
- Income Insurance
- Cigna
- HSBC Life
- Bupa
- Aetna
- AXA Global Healthcare
These successful claims have generally been processed through:
- Personal Accident Policies
- Allied Health Benefits
- Complementary Therapy Benefits
- Corporate Medical Plans
- International Health Insurance Plans
Please note that successful claims depend on the individual policy and rider. Two individuals insured by the same company may experience different claim outcomes depending on their coverage.
Documents Provided by Dr. Chiro
To support insurance claims, Dr. Chiro can provide documentation required by insurers, employers, and other authorised parties where appropriate.
Standard Invoice
After each visit, practice members and clients receive an invoice containing:
- Clinic details
- Date of service
- Description of services provided
- Amount paid
This is the primary document required by most insurers for reimbursement claims.
Clinical Reports, Medical Letters and Supporting Documentation
Depending on your insurer’s requirements, Dr. Chiro may be able to provide additional documentation, including:
- Clinical findings
- Diagnosis
- Examination results
- Treatment recommendations
- Progress reports
- Insurance claim support letters
- Treatment summaries
Please inform our team if your insurer requires additional supporting documentation before submitting your claim.
Administrative Fees for Complex Documentation Requests
Dr. Chiro is committed to assisting practice members and clients with insurance reimbursement claims wherever possible.
Standard invoices and routine claim-related documentation are generally provided without additional charge.
However, extensive reports, legal correspondence, claim appeals, regulatory documentation, multiple report revisions, historical record retrieval requests, urgent requests, or documentation requiring substantial professional or administrative time may incur a reasonable administrative fee.
Any applicable fees will be communicated and agreed upon before work commences.
GP Referral Requirements
Most insurance plans today do not require a GP referral before attending a chiropractic appointment.
However, some insurers, specific policy riders, corporate health plans, or international insurance providers may request a referral letter, medical recommendation, or pre-authorisation as part of their reimbursement process.
Before your first appointment, we recommend contacting your insurer and asking:
- Is chiropractic care covered under my policy?
- Do I require any referral, recommendation, or pre-authorisation?
- What documents are required for reimbursement?
- Does the chiropractor need to belong to a recognised professional association such as the Alliance of Chiropractic Singapore (AOC) or Chiropractic Association of Singapore (CAS)?
Obtaining these answers beforehand can help prevent delays or claim rejections.
How to Submit a Chiropractic Insurance Claim
Step 1 — Contact your insurer and verify your chiropractic benefits.
Step 2 — Attend your appointment at Dr. Chiro.
Step 3 — Collect your invoice and any supporting documents required by your insurer.
Step 4 — Submit your claim through your insurer’s claims portal, mobile application, or reimbursement process.
Step 5 — Follow up with your insurer if your claim has not been processed within the expected timeframe.
Most insurers process claims within approximately two to eight weeks.
Dr. Chiro’s Commitment
Dr. Chiro has experience assisting practice members and clients with documentation required for reimbursement claims under local Singapore insurance plans, corporate health insurance plans, and international expatriate medical insurance policies.
While we cannot guarantee claim approval, we are committed to providing the necessary invoices, reports, and supporting clinical documentation required by your insurer wherever possible.
Disclaimer
Insurance coverage varies significantly between insurers, policy types, benefit schedules, riders, and claim requirements. Information provided by Dr. Chiro is intended as general guidance only and should not be construed as a guarantee of reimbursement.
Practice members and clients remain responsible for verifying their insurance benefits directly with their insurer before commencing care. Any reimbursement decision rests solely with the insurer.
Dr. Chiro reserves the right to charge reasonable administrative fees for non-routine reports, extensive documentation requests, claim appeals, legal correspondence, regulatory submissions, or other complex administrative services where substantial professional or administrative time is required.