Sunday, October 14, 2018

MealPal Lazada voucher how does it work?

If you're like me, you were probably wondering what the MealPal Lazada voucher was about?

As it is printed on those brochures you have received from their marketing team members in the city are.

So how does it work? How do you receive this MealPal Lazada voucher?

It is not very clear, so I reached out to MealPal support for answers.

After 30 days of using MealPal, you will receive your Lazada voucher in an email. During my sign up, the promotion was a 50 SGD voucher, so I received an email relating to this.

It sent me to, where I signed up and confirmed my details there to receive my voucher.

So I received a 50 SGD Lazada voucher and it is due to expire 24 Dec 2018. About three months after receiving the 50 SGD Lazada voucher email from the MealPal team.

I did not have any thing to buy at the time so I waited, and when I used the voucher today, it worked as expected. Though there is one important note. You must spent all the 50 SGD in one go.

Here is the message I saw in my Lazada cart when I was purchasing my products. (I had already assumed 50 SGD purchase was required).

The discount code can only be applied once. The leftover amount will not refunded or used for next purchase even if the value of order is smaller than the voucher value. 
If you are looking for more information and you have not read it yet, you can read more about my MealPal experience in this blog post available here My experience using MealPal in Singapore.

I hope that helps you on your discovery of the MealPal subscription service.

Please post any comments if you have any questions and I will gladly help you.

Looking to understand how MealPal works?

Saturday, October 13, 2018

How to submit a medical claim on Cigna Envoy

Like me, your company may be using Cigna as part of their health insurance plan in Singapore. So I am writing this brief guide to guide you through the process of how to submit a claim through their Cigna app.

The corporate version of Cigna that I am writing about is called

In the screenshots below, I am using the CignaEnvoy Android mobile app.

You can also submit claims on their website via, I just find it easier to upload photos of receipts using their mobile app.

Step 0 - Getting access to CignaEnvoy

This brief guide does not cover getting access to your Cigna account in the first place, as that will be something that you will either need to call Cigna directly with your personal details to get enabled and/or work with your human resources in order to gain access to your account.

Step 1 - Download and install CignaEnvoy onto your phone

Download and install CignaEnvoy onto your phone from their website.

Step 2 - Log into CignaEnvoy app
Step 3 - Click on Claims
Step 4 - Click on Submit a New Claim
Step 5 - Choose the family member to submit the claim for
Step 6 - Fill in details for your claim
Step 7 - Submit receipts/ images
Step 8 - Make sure your payment details are added
Step 9 - Sign off on the Legal declaration
Step 10 - Review and Submit your claim

In detail, with screenshots, that is: 

Step 2 - Log into CignaEnvoy app

Once you have logged in, you will see this screen.

Step 3 - Click on Claims 

Select "Submit a New Claim" to kick off the process of submitting a claim.

Step 4 - Click on Submit a New Claim

Step 5 - Choose the family member to submit the claim for

Step 6 - Fill in details for your claim

Fill in details for your claim such as Diagonsis, symptoms, insured country, inpatient (admitted into hospital) vs outpatient (GP visit, non admission into a hospital), and date of treatment.

Step 7 - Submit receipts/ images

Choose the "Take a picture" (to take a picture of your receipt) or upload a photo/ image from your device via the "from device" option.

Then fill in details about the image. 

This is my example receipt example for your reference. 

Note - the system will auto render the image for easier processing on their side. So it'll turn black and white, etc. You need not worry about it, as you just need to make sure the image appeared clearly. 

Step 8 - Make sure your payment details are added

If it's easy for you to do on your phone, add in your bank details. Else I suggest you add these details on your desktop in at the time you gain access to your CignaEnvoy account.

Step 9 - Sign off on the Legal declaration

Step 10 - Review and Submit your claim

Check and review and submit your claim. 

Step 11 - Claim submitted! 

You will receive a confirmation number once your claim is completed. 

You may want to log back in and select the Claims> Check My Claims Status to check that it is in the listings there. As that's what I like to do to make sure the claim has been submitted. 

It generally takes 7- 14 days to get a virtual response. Then you simply need to wait for it to be processed. You will at times receive an email from the CignaEnvoy team if they have any follow up questions on your claim. 

As always, always make sure you get sign off from a doctor and the items you are claiming be a "medical necessity". Though of course, depends on the customised plan your company has.

For Asia Pacific customers like myself, a hard copy letter confirmation arrives from the UK to Singapore. As it is being sent from the UK, this normally arrives at your registered mailing address after 2-3 months. 

I hope that has helped you get a sense of the process and helps you with claiming. Stay healthy!