​Normal Procedure

​​

• Notify your broker / insurer as soon as possible.

• Your broker / insurer will forward to you a copy of a claim form.

• Submit to broker / insurer the required documents:-

  • Claim form duly signed and completed.

  • Medical Report duly signed and completed by the attending physician.

  • Original bills and receipts incurred in respect of the hospitalization.
    
    
     

In a case where a Managed Care Organization is involved
 

• Notify the Managed Care Organization (MCO) immediately.

• The MCO will validate if the condition is covered by the policy and the best option for the required treatment.

• A letter of guarantee would be forwarded to the hospital by the MCO (hospital deposit is not necessary).

• Upon discharge from the hospital, the MCO will take over the settlement of validated medical bills.

• Any ineligible or excess expenses must be paid by the Insured upon discharge.