Pre-authorisation is the process of getting approval for your treatment and hospital claim before admission and our Panel Hospital. It ensures a smooth admission process under our Hospital Alliance Services.
Hospital Alliance Services (HAS) simplifies the hospitalisation claim process by offering pre-authorisation at our panel hospitals and medical centres. This service of non-accidental hospitalisation is available from the 4th month of your policy subject to policy’s term and conditions.
Incidental and non-medical related expenses are not included with Hospital Alliance Services (but not limited to, the following):
- Administrative charges (e.g. registration fees, admission fees, medical records, telephone charges)
- Excess room and board
- Toiletries, personal comfort and hygine items
- Vitamins and supplements
- Medical appliances / devices for home use (e.g. neck braces, lumbar supports, chambers, spacers)
- Co-insurance and Med Saver / deductibles
Explore our medical plans here to learn more about managing your hospital claim with ease.
Guide for Admission
Day Care / Day Surgery may also be considered as Pre-Planned Admissions For emergency admission to non panel hospital - you will be required to pay the hospital bills upon discharge and submit them to us for reimbursement.
Guide for Discharge
FAQ
Hospital Alliance Services (HAS) is a value-added service for all medical policyholders. It simplifies the hospitalisation claim process by managing at our panel hospitals, allowing you to focus on recovery.
With Hospital Alliance Services (HAS), we settle your hospital bills directly with the panel hospital. Once your pre‑authorisation is approved, all covered medical expenses will be settled directly with the hospital. You will only need to pay for any items that are not covered upon discharge.
The timeline can vary depending on the hospital and the complexity of your case. The hospital will submit the form to us, and our team works to process these requests efficiently. The hospital will inform you once the pre-authorisation letter is issued.
Your coverage remains valid. You will need to pay the hospital bills upon discharge and then submit a hospitalisation claim to us for reimbursement, which will be assessed based on your policy's terms and conditions.
Once the hospital submits the final bill and complete E-invoicing , we aim to assess and approve payment directly to the hospital promptly. This direct settlement is part of the Hospital Alliance Services (HAS) , so you don't have to manage the timeline personally.
