Hi everyone. if i need some clarifications. For the payments of the test and procedures, i understand that the initial tests we would have to bear and is not claimable. However, for the procedures, tests and medications claimable for the co-funding.. do we still have to pay upfront those bills or it will be incorporated and accounted for directly from the govt co-funding... meaning we do not have to pay upfront? I read somewhere in forums that for SGH we would have to pay upfront for all, then the hospital will reimburse via cheque? Is my understanding right? Does this also applies to KKH & NUH?? Thank You.