The cashless hospitalization and admission without deposit services require prior notification to the insurance company and completion of relevant procedure before admission. The services are only available after approval.

 

If you would like to apply for the services by your AIA individual medical insurance plans, you can submit it via the AIA+ mobile app or by email/fax.  Please visit Pre-approval - Medical Expense & Cashless Service | AIA Hong Kong for more information.

 

You may consider using AIA's medical network service, where network doctor would assist in apply pre-approval, arrange treatment and submit claims, you may enjoy cashless service* as well.  You can use the AIA+ mobile app to find a suitable network doctor, make appointment and get the network eCard which should be presented at the time of consultation.

Submit the application at least 2 to 4 working days in advance (for treatment in Hong Kong/Macau/Mainland China or Taiwan) / 7 working days (for treatment overseas). Please be reminded that part II of the Medical Expense Pre-approval Form has to be completed by the attending physician or surgeon. 

A shortfall occurs if the medical expenses exceed the claims payable amount or involve costs outside the coverage scope of the insurance policy.  AIA will issue a shortfall notification to the policyholder and collect the shortfall from the authorized credit card 14 days after the notice date. Besides, if having overseas treatment, depending on the hospital admitted, the insured might need to directly pay upfront the expenses not covered by the insurance policy, including but not limited to the amount exceeding the pre-approved amount or any deductibles.

A deductible is the amount policyholders require to bear before the insurance policy covers the medical expenses. If your policy includes a deductible, you may need to pay this portion upon discharge when using the cashless service .

 

* Pre-approval - medical expense and cashless service is not a contractual service but an administrative arrangement offered in our absolute discretion in respect of covered expenses incurred. It is subject to termination at any time without prior notice. Cashless service is applicable to designated hospitals. In some areas, cashless service is only applicable to designated individual medical insurance plans, and will be modified from time to time. For details, please visit the AIA website  Pre-approval - Medical Expense & Cashless Service | AIA Hong Kong.