| GUARANTEED ADMISSION |
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| 1. |
What is the procedure if
I have a guaranteed admission plan?
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There are several steps to follow
as below:
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| i. |
Present the medical card to
the panel hospital and the hospital will call
Kurnia Insurans (Malaysia) Berhad (KIMB) call
centre (Tel. no. 03-7876 9988)
for verification.
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| ii. |
You and treating doctor will
be required to complete the necessary admission
form and the hospital staff will fax it to KIMB
for processing of admission.
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| iii. |
If the diagnosis is a covered
condition, a Guarantee Letter will be issued
to the panel hospital.
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| iv. |
HQ Medical Insurance Department
will issue a Guarantee Letter to the hospital
for a covered condition.
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| v. |
Upon discharge, hospital will
fax the discharge documents and bills to KIMB,
and KIMB will revert on the payment advice.
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Note: |
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| 1. |
If the diagnosis is an excluded
condition, you may be required to pay deposit
and settle the remaining payment upon discharge.
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| 2. |
For admission at non-panel
hospital, you may be required to settle in full
hospital bill and file claim.
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| 3. |
Admission and discharge is
handled by HQ Medical Insurance Department from
Monday to Friday (8.30am-7.30pm), Saturday
(9am-2pm), Sunday/Public Holiday, we have
prior arrangement with all our panel hospital.
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| 2. |
What will happen if I present the
medical card in order to get admitted to the hospital
during midnight?
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The hospital will admit the patient
first after confirming with our call centre of the
validity of the insurance. On the next morning, Medical
Insurance Department will liaise with the hospital
on Guarantee Letter for a covered condition.
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| 3. |
Is deposit required for admission into panel hospitals? |
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If Guarantee Letter is issued by
KIMB, normally no deposit is required. However, a small
number of hospitals may require a minimal deposit to
cover non-payable items or for cases pending for Guarantee
Letter.
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| 4. |
Will panel hospitals accept my medical
card as a deposit for admission?
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The medical card will not be accepted
as an automatic deposit for admission as it is not
a form of credit card. The medical card is used to
facilitate the arrangement of guaranteed admission
at panel hospitals only.
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| 5. |
Is the medical card sent directly
to me?
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Yes. For individual policy, the
medical card will be sent to you directly whereas for
group policy, the medical card will be sent to the
agent/branch to be distributed to you or other arrangement
as agreed.
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| 6. |
Can the medical card be used overseas? |
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No, you are unable to use the
medical card overseas as the medical card is only applicable
to KIMB panel hospitals in Malaysia. For any medical
expenses incurred overseas, you will need to settle
the full bill and file in a claim with KIMB for consideration.
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| 7. |
Under what circumstances that
you need to settle your own bill?
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There are several reasons that you
may need to settle your own bill first, such as but
not limited to:
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| i.. |
Exclusions, i.e. pre-existing
illness, specified illness, qualifying period
(waiting period) etc.
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| ii.. |
Admission to non-panel hospitals.
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| iii. |
Medical charges incurred overseas.
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| iv. |
Incomplete documentations provided to KIMB. |
| v. |
Hospital admission for primarily
for investigations not leading to any treatment
required.
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| 8. |
If a Guarantee Letter has been issued,
do I still need to pay upon discharge?
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The Guarantee Letter will cover
your medical expenses up to your eligible limits according
to the policy terms and conditions. You may be required
to pay the excess charges that are not covered under
the policy benefits such as telephone charges, extra
meals, purchase of aid equipment, etc. Certain hospital
might collect a minimal deposit at the time of admission
to cover for these non-payable items. Any excess of
this deposit after deducting the non-payable expenses
will be refunded during discharge.
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