Medical

Each claim is different, let us guide you through your claim:

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Foreign Workers Medical

Step 1
Fill up Liberty’s medical claim form

Please fill in Liberty's claim form Medical-Foreign Worker and mail all original documents such as tax invoices and medical documents to Liberty at One Raffles Quay #40-01 North Tower Singapore 048583.

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Claim Form - FWMI
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Step 2
Process claims

Upon receipt of Liberty’s medical claim form and all original copies of medical bills, we will proceed to process your claims in estimated 14 working days.

Step 3
Payment

Upon approval, we will proceed to pay your claims in estimated 7 working days via GIRO.

Step 4
Process claims

Upon receiving all original copies of pre and post medical bills with completed medical claim form, we will proceed to process your claims in estimated 14 working days.

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Frequently Asked Questions (FAQs)

For private hospital:

  • Insured and attending physician/specialist to complete the claim form Medical-Foreign Worker
  • Original official final and itemised medical bill(s) (including but not limited to) hospital tax invoices, attending physician bills, pre and post-hospital tax invoices, medical/specialist reports and settlement letter from other insurers if the bill(s) partially paid

 

For restructured hospital:

  • Insured to complete claim form Medical-Foreign Worker
  • Submit Inpatient Discharge Summary
  • Other supporting documents such as medical/specialist reports, settlement letter from other insurers if the bill(s) partially paid
  • Copy of Work Permit

 

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary

No. Medical expenses incurred as a result of work injury should be claimed under Work Injury Compensation insurance.

Outpatient services incurred 90 days prior to surgery/admission and 90 days after discharge are payable up to policy limits. Please refer to policy wordings for details on what is payable under the pre-hospitalisation and post-hospitalisation benefits.

The policy provides 24 hours coverage within Singapore only.

Claims must be lodged within 31 days from the date of discharge after the occurrence of any hospitalisation or surgery. If the claim is submitted after 31 days, we will need valid reasons for the delay in reporting.

We will pay up to S$80.25 for original medical report received with the original invoice, provided it is a payable claim.

In the event that the worker is admitted in a award higher than the Plan entitlement or to Private Hospital for treatment, the hospital medical expenses payable under the Policy will be reduced by the percentages stated below subject to the limits stated in the Schedule of Benefits:

Private Hospitals                             45%

A1 Class in Restructured Hospitals 35%

A2 Class in Restructured Hospitals 25%

B1 Class in Restructured Hospitals 15%

It is a compensation amount paid out in the event of death of the Insured Worker for an Injury or Illness during or after treatment at a Hospital or in a Day Surgery Ward. This compensation is payable for a non work related Injury or Illness within Singapore only, which does not arise out of and/or in the course of employment.

The documents can be scanned and emailed to us as a claim notification. However we require the original documents to process the claim.