For Out-patient or dental treatment, unless you have been informed of a different settlement arrangement, you will need to pay the medical provider for these costs at the time of treatment. You can then claim back the costs from us, subject to your benefit limits, by following the guidelines below.
Download a Claim Form from this website and take it with you when you visit your doctor/medical provider.

Obtain an invoice from the medical practitioner that states the diagnosis or the medical condition treated, the nature of the treatment and the fees charged.

Complete sections 1-5 of the Claim Form and attach all the relevant receipts and invoices. Your medical provider will need to complete sections 6 and 7 of the Claim Form if the invoice does not state the diagnosis and the nature of the treatment.

When submitting your Claim Form to us, please attach all original supporting documentation, invoices and receipts e.g. medical practitioner/physician invoices and pharmacy receipts with related prescriptions (if available).

Upon receipt of your Claim Form, we shall send you an e-mail (if we have your e-mail address) to acknowledge receipt. We will also e-mail you to advise you of when your claim has been processed. If we don't have your e-mail address, we will write to you to keep you up-dated about your claim.

Fully completed Claim Forms are processed, with payment instructions issued to your bank, within 48 hours.


SOME IMPORTANT POINTS TO NOTE FOR OUT-PATIENT CLAIMS


Some out-patient procedures will require you to complete a Treatment Guarantee Form. Please refer to your Table of Benefits for more information.
A separate Claim Form is required for each person claiming and for each medical condition being claimed for.
If the amount to be claimed is less than the deductible figure in your plan, retain the receipts and invoices until you have reached an amount in excess of your deductible.
To ensure prompt payment, please check that the payment details on your Claim Form are correct.
Only costs for incurred treatment will be reimbursed, subject to your benefit limits.
Please specify on the Claim Form the currency in which you wish to be paid.
Your right to reimbursement ends upon the expiry of your cover.
Claims should be submitted no later than six months after the end of the Insurance Year, or if your cover is canceled within the Insurance Year, no later than six months after the end of your cover.