Important - Please note that the following are NOT COVERED:

1. Some hospitals (eg. KK Hospital) may have both an A&E Department and a 24 hour walk-in clinic. The A&E staff may also refer you to the 24 hour walk-in clinic. Please note that treatment at the 24 hour walk-in clinic (a specialist clinic) is not covered without a referral.

2. Some specialist centres (eg. SNEC) may operate clinics at a Private Hospital (eg. Gleneagles Hospital). Please note that treatment at a Private Hospital Clinic is not covered.