Medical claims

Yes, subject to limits and benefits as set out in the policy.

Claims must be lodged within 30 days from date of occurrence. If the claim is submitted after 30 days, we will need valid reasons for delay in reporting.

No. Liberty does not pay for any medical report(s) obtained from hospital/clinic/doctor. Proof of illness/injury will be at the expense of the insured/claimant.

No. The documents can be scanned and emailed to us however we will need the original copies to process the claim.

Please indicate in the Medical Claim Form that you are lodging a claim with another insurance company. Please submit a copy of the settlement advice and tax invoices in order for us to reimburse the balance (subject to policy terms & conditions). The reimbursement should not exceed the total amount that you have incurred.

This depends on the benefit entitlement in your policy. Please refer to the Schedule of Benefits.

Each admission or surgery must be accompanied by a Medical Claim Form. Claim form is not required for follow-up visits with the same doctor/hospital.

The portion of costs for which insured person/claimant is responsible for. The deductible/co-insurance is applicable for each & every diagnosed medical condition for which a claim is made within any one policy year.

For day surgery cases, there is no minimum number of hours to be eligible for a claim. However for non-surgical admissions, you can submit the claim for assessment when you are charged for a full day Room & Board.

Payment made from a Medisave account will be refunded to the respective Medisave account accordingly.