Overview of Soda coverage
Soda provides comprehensive outpatient medical coverage across multiple service categories. All services are available on a cashless basis when visiting panel clinics. You can also opt in for non-panel clinic coverage (available with Soda Plus), where employees pay upfront and submit receipts for reimbursement.
Covered outpatient services
1. General Practitioner (GP) visits
- In-clinic consultations
- Video consultations (telemedicine) - using the Doctor Anywhere app
- Follow-up visits
- Panel rate: $13 flat consultation fee
- Medications included at panel rates
2. Specialist consultations
- All specialties covered
- Panel rates apply
- No GP referral required by default
- Can be configured to require GP referral upon request
- Panel rates: Consultation fee: $80.00-$120.00
3. Dental services
- Consultation
- Scaling & polishing
- Fillings, extractions, and other procedures
- Panel rates for all services
4. Traditional Chinese Medicine (TCM)
- TCM consultations
- Acupuncture
- Herbal medicine
- Panel rates apply
5. Physiotherapy
- Panel physiotherapy clinics
- Post-injury rehabilitation
- Chronic pain management
- Panel rates: Consultation fee: $150.00 - first visit, $135.00 follow-up
6. Chiropractic
- Chiropractic adjustments
- Spinal care
- Panel rates apply
7. Diagnostic services
- X-rays
- Laboratory tests
- Blood work
- Imaging services
8. Health screening
- Annual health checkups
- Basic screening packages
- Panel rates apply
Dependents coverage
Who qualifies as dependents?
- Spouse
- Children (typically up to age 21, or 25 if studying)
Pricing:
- Dependents typically charged at same platform fee rate
- Medical utilization charged separately per dependent
Panel vs. non-panel clinics
Panel clinics (Soda Starter & Plus):
- Over 2,000 panel providers across Singapore, including GPs, specialists, hospitals, dental clinics, and more
- 80% match with other TPA panels, and growing fast
- Panel network is constantly expanding
- New clinics can be onboarded within 2–4 weeks upon request
- Cashless experience
- Preferred panel rates
- Automatic claim processing
- No upfront payment required
Non-panel clinics (if you opt in):
- Any clinic in Singapore
- Employee pays upfront
- Submit receipt via app
- Claim processed and reimbursed
- No processing fee per claim
Common question: "Are polyclinics covered?"
- Polyclinics are not in our panel network
- However, Soda Plus members can submit polyclinic claims
- No processing fee per claim
- Employee pays upfront, then gets reimbursed
Your employees can easily find a panel clinic in a convenient location by using the Doctor Anywhere App > under the Coverage section: How do I find and use a panel clinic for my employee benefits in Singapore?
Geographic coverage
Singapore:
- Full coverage across all regions
- Over 2,000 panel providers (GPs, specialists, hospitals, dental clinics, and more)
- GP clinic within 10 minutes walk from any place in Singapore
- Clinic locator in app shows nearest clinics
Malaysia (Johor Bahru):
- Panel coverage in JB
- GP services available
- Some dental clinics
- Employees can check in the app for available clinics
Other regions:
- Contact us for specific region inquiries
Common coverage questions
Q: Is there an age limit for members?
A: No age limit for employees. Dependents typically covered up to age 21 (or 25 if studying).
Q: Can employees see specialists without GP referral?
A: Yes, by default employees can see specialists directly without a GP referral letter. However, if you prefer to require GP referrals for specialist visits, you can request this configuration change and our team will update your plan settings accordingly.
Q: What happens when an employee reaches their annual limit?
A: Employee pays out-of-pocket for additional visits. Limit resets at policy renewal (typically 12 months from start date).
Q: Can we change limits mid-year?
A: Limits are set for the policy year. Changes can not be made during renewal. However, you can add employees mid-year who will receive prorated limits.
Q: Do you cover pre-existing conditions?
A: Yes! Unlike traditional insurance, Soda Starter, Plus and Flex cover all conditions without medical underwriting or exclusions.