1. Present health insurance card together with ID Card or Passport to the network hospital’s personnel

2. Sign the medical claims form for the hospital

3. Wait for coverage confirmation from the company through the fax claim service.

4. Admitted to the hospital on approval.

At the Discharge Stage

1. The hospital concludes medical treatment expenses and informs the company for your discharge.

2. Wait for coverage amount confirmation from the company through fax claim service

3. Pay the excess amount for the claim to the hospital (if any)

4. Discharge from the hospital

Remark: The company reserves the right to approve medical treatment coverage for IPD in the network hospital through fax claim service on case by case basis

OPD Case

1. Present health insurance card together with ID Card or Passport to the network hospital’s personnel

2. Sign the medical claim form for the hospital

3. Receive OPD Treatment

4. Pay the excess amount for the claim to the hospital (if any)

5. Discharge from the hospital

Remark: In case the company has already approved medical treatment coverage for you but you find out later that such coverage is not covered under the policy, i.e. sickness caused from a pre-existing condition, the company reserves the right to recollect such medical treatment expenses back from you, by issuing an invoice to you later.