· Singapore edition: online, self-paced courses with certificate

Ethics and professional conduct

Financial Integrity in Practice

MediSave and MediShield Life claims, TOSP coding, CHAS, panels and TPAs, fees, fee splitting and conflicts of interest for Singapore health professionals

  • 3hours (estimated)
  • 10sections
  • 20final questions
  • 80%pass mark
  • PDFcertificate
  • Online and self-paced, on any device
  • Reflective account template
  • Knowledge checks in every section
  • Instant certificate of completion

Written for Singapore's boardsUpdated 25 October 2026

What you will learn

  • Map the main funding streams in Singapore health care and explain why every bill, claim and certificate is a statement for which the practitioner is accountable.
  • Distinguish honest error, poor systems, overservicing, inappropriate claiming and fraud, using MOH's published descriptions of non-compliant claims.
  • Make MediSave and MediShield Life claims correctly, including MOH accreditation, claims authorisation, TOSP coding, clinical indication and the published claims rules.
  • Describe MOH's claims adjudication and Escalation and Enforcement Framework, and respond appropriately if a claim is reviewed.
  • Claim CHAS, Healthier SG and other subsidies, and bill panels, TPAs and insurers, so that every claim matches care actually delivered.
  • Apply SMC ECEG sections H and I, SDC ECEG 5.6 and the AHPC's guidance to fees, fee splitting, kickbacks, financial interests, dispensing and industry relationships.
  • Give patients fair fees and informed financial consent, using fee benchmarks, written estimates and financial counselling, and advertise prices lawfully.
  • Handle employer resources, patients' money, gifts and personal financial dealings with integrity.
  • Design practice systems and audits that keep claims and charges accurate, and correct, refund and speak up when something goes wrong.
  • Explain how scheme, licensing, disciplinary, criminal and civil processes interact, and demonstrate insight and credible remediation after a financial concern.

Who this course is for

Registered health professionals in Singapore: doctors, dentists and oral health therapists, nurses and midwives, pharmacists, optometrists and opticians and allied health professionals, plus practice owners, Principal Officers, Clinical Governance Officers and managers responsible for claims and fees.

After a concern

Structured learning and a written reflection to show insight after a complaint, an investigation or a board inquiry.

Routine CPD

Focused learning on a core standard of practice, with a certificate and reflection for your portfolio.

About this course

This course is about the money that moves through everyday health practice in Singapore and the professional duties that come with it. It follows each funding stream a practitioner is likely to touch: MediSave and MediShield Life claims, MOH accreditation, claims authorisation and TOSP coding; MOH's Claims Management Office, claims rules, independent adjudication and the Escalation and Enforcement Framework; CHAS, Healthier SG and chronic care funding; corporate panels, third-party administrators, insurers, migrant worker medical insurance and work injury claims; dispensing margins, pharmacy sales and industry relationships; and the fees, packages, prices and commercial interests that sit behind treatment, referral and product recommendations.

It is written for doctors, dentists and oral health therapists, nurses and midwives, pharmacists, optometrists and opticians and allied health professionals in Singapore, and for practice owners, Principal Officers, Clinical Governance Officers and managers who design billing and claiming systems. It goes deeper than a general probity course: rather than restating that honesty matters, it explains the claiming rules, the audit and enforcement tools MOH actually uses, the SMC and SDC rules on fees, fee splitting, kickbacks and financial interests, and the systems that keep a practice's claims, charges and interests defensible.

Financial concerns can reach a practitioner from several directions at once: an MOH claims review, suspension from a financing scheme, a Board complaint, a police, Commercial Affairs Department or CPIB investigation, and civil recovery by an insurer. The final section explains how these processes interact, how disciplinary bodies approach financial dishonesty, and how to correct problems promptly and show credible insight.

Course details

Learning time
Approximately 3 hours of learning (estimated time including knowledge checks, reflection and assessment)
Standards covered
SMC Ethical Code and Ethical Guidelines (2016) sections H and I and the 2017 advisories on fees to third parties; SDC Ethical Code and Ethical Guidelines (2018) 5.4.6, 5.5, 5.6 and 5.9; SNB Code for Nurses and Midwives (2018); SPC Code of Ethics (2015); AHPC Code of Professional Conduct and 2018 circular on overservicing, overcharging and fee splitting; OOB Code; MOH TOSP guidance, MediShield Life claims rules and Escalation and Enforcement Framework; CHAS claims guidelines; Healthcare Services Act 2020 and Healthcare Services (Advertisement) Regulations 2021; MOH fee benchmarks; Prevention of Corruption Act 1960; Penal Code; Consumer Protection (Fair Trading) Act 2003; Work Injury Compensation Act 2019; Lim Mey Lee Susan v SMC [2013] SGHC 122; Wong Meng Hang v SMC [2018] SGHC 253
Format
Self-paced, gated lessons with knowledge checks, case studies and reflection
Assessment
20 scenario-based questions, 80% to pass (16 of 20)
Outcome
Certificate of completion and a written reflection for your learning record
Alignment
Mapped to the financial, conflict-of-interest and honesty standards of the SMC, SDC, SNB, SPC, AHPC and OOB and to MOH's claims requirements; independent and not endorsed by any of them

Course curriculum

10 sections · 25 lessons · 3 hours (estimated) · 20-question final assessment

  1. 1Following the money in Singapore health practice3 lessons
    • Why financial integrity is a professional standard, not just an accounting task
    • The funding map: who pays for what
    • Error, overservicing, abuse and fraud: drawing the lines
  2. 2MediSave and MediShield Life claims4 lessons
    • Accreditation, authorisation and the declarations behind each claim
    • TOSP coding, multi-coding, upcoding and clinical indication
    • Claims rules, adjudication and the Escalation and Enforcement Framework
    • Treating family, colleagues and yourself
  3. 3Subsidy schemes, panels and insurance work3 lessons
    • CHAS and other subsidy claims: matching claims to care
    • Healthier SG, chronic care and MediSave for outpatient treatment
    • Employer panels, TPAs, insurers and work injury claims
  4. 4Prescribing, dispensing and commercial influence3 lessons
    • Dispensing margins and prescribing decisions
    • Community pharmacy: sales, targets and professional judgement
    • Industry relationships, gifts and sponsorship
  5. 5Ownership, referral and commercial interests3 lessons
    • The SMC Ethical Code on fees, referrals and financial interests
    • Commercial interests across the professions
    • Public and private practice, aesthetics and packages
  6. 6Fees, patients' money and personal financial conduct3 lessons
    • Fair fees and informed financial consent
    • Advertising prices, insurers' panels and debt
    • Employer resources, patients' money and personal finances
  7. 7Systems, investigations and putting things right3 lessons
    • Building a practice that claims and charges correctly
    • Finding a problem: correcting, refunding and speaking up
    • How the system responds, and how to show insight
  8. 8Conclusion and key points1 lesson
    • Conclusion and key points
  9. 9References and further reading1 lesson
    • References and further reading
  10. 10Your reflective account1 lesson
    • Your reflective account

Assessment and certificate

Final assessment

20scenario-based questions

  • Pass mark 80%: 16 correct out of 20
  • Knowledge checks in each section as you go
  • Tests whether you can apply the standards, not recall a page
  • Not passed yet? Review the sections and retake it

Certificate of completion

A certificate of completion for your learning portfolio.

  • Your name, the course title and the estimated learning time (record the time you actually spend)
  • Completion date and a unique certificate ID that can be verified
  • Ready to download as a PDF as soon as you complete the course

Your reflective account

The course includes a structured reflective account template: guided prompts to record what you learned, how you will apply it and how the change will show in your practice. It gives you written evidence of insight after a concern, and a ready record for your CPD portfolio.

Write it in your own words and leave out anything that could identify a patient, a colleague or a case. If you have an open complaint or case, talk to your adviser before reflecting on it in writing.

Questions about this course

How is this course different from the probity course?

Probity covers honesty across records, certificates, declarations and conflicts in general. This course goes deeper on money: MOH's claims rules and enforcement for MediSave, MediShield Life and CHAS, TOSP coding, panels and TPAs, fee rules under SMC ECEG section H and SDC ECEG 5.6, and the practice systems that keep claims and charges defensible.

Does the course cover MOH's MediShield Life claims enforcement?

Yes. It explains MOH accreditation, claims authorisation, TOSP coding, the Claims Management Office set up in 2022, specialty claims rules, independent adjudication, rectification and refund without recovery from patients, mandatory training, and suspension or revocation of accreditation for repeated or egregious non-compliance.

What does the course say about upcoding and multi-coding?

It explains, using MOH's published findings, what upcoding, inappropriate multi-coding, coding without clinical indication and claiming cosmetic procedures as medical look like, why the principal surgeon remains responsible when staff enter codes, and how to run a simple pre-submission coding check.

Is it relevant to dentists, pharmacists and allied health professionals?

Yes. It covers the SDC ECEG rules on interests, fee splitting, kickbacks and undue influence, pharmacy sales targets and Pharmacy-only supplies, the AHPC's guidance on overservicing and fee splitting, prepaid packages, optical product sales and commercial conflicts in nursing and aesthetics.

Does it cover fees, estimates and advertising prices?

It covers fair fees and Lim Mey Lee Susan v SMC, MOH fee benchmarks and bill sizes, written estimates and financial counselling, changes in cost during treatment, packages and refunds, debt recovery, and the Healthcare Services (Advertisement) Regulations 2021 on prices, promotions and testimonials.

Can I use it after an MOH claims finding or a Board complaint?

It explains how scheme, licensing, disciplinary, criminal and civil processes interact and how to correct problems and show insight. If MOH, a Board or a Tribunal has set requirements, that body decides what meets them, so confirm before enrolling. No outcome is promised.

Will it count towards my CME or CPE?

It is about 3 hours of learning, ending in a 20-question scenario assessment with an 80% pass mark and a reflective account. It counts only if your Board or the relevant accrediting body accepts it, so check your current requirements.

How this course was built

Official sources only

Every legal and regulatory point comes from primary sources: the Acts that set up each professional board, the boards' own codes and guidance, and the Ministry of Health. Anything we cannot confirm is left out.

Original, edition by edition

Lessons, scenarios and assessment questions are written by us for each edition separately, then checked for accuracy, teaching quality and fair assessment before publication.

Reviewed when rules change

When a code, standard or law changes, the affected courses are reviewed and updated. Reported errors in legal or regulatory facts are corrected first.

Page updated 25 October 2026

Related courses

All courses
Ethics and professional conduct3 hours

Probity and Honesty in Practice

Honesty in records, medical certificates, MediSave and MediShield Life claims, declarations, advertising and conflicts of interest, mapped to the SMC ECEG and other Singapore codes.

20-question final assessment, 80% pass

Records, competence and development3 hours

Clinical Documentation and Record Keeping

Clear, honest and defensible notes for Singapore practice: what a good entry contains, late entries and corrections, AI scribes, PDPA access requests and MOH retention periods.

20-question final assessment, 80% pass

Complaints, insight and remediation3 hours

Remediation After a Concern

Turn a concern into a credible remediation plan: precise definition, root-cause analysis, testable objectives, supervision and audit, and an evidence bundle that shows real change.

20-question final assessment, 80% pass

S$1253 hours (estimated) · 20 questions
Enrol now