Pre-Approval Service

Medical Expense Pre-approval Service

As our medical plan customers, our Medical Expense Pre-Approval Service allows you to be in control of your day surgery or hospitalization expenses. Under the arrangement of Credit Facility Service, you can enjoy a hassle-free treatment.

WHY CHOOSE THIS SERVICE?

Flexible: applicable to both day surgeries and hospitalization
Diverse: applicable to more than 100 hospitals and clinics in HK, Macau and China
Universal: eligible to all medical plans
Peace of mind: have a hassle-free treatment as AIA settles the pre-approved bill directly to designated hospital, day surgery centre or clinic while you can concentrate entirely on your treatment

NETWORK DOCTOR
HOSPITALIZATION

Find a Network Doctor

Please select your preferred Network Specialist here according to your needs.

Call us or book through online for a medical appointment with the specialist in our Network.

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On the day of consultation

Please present Insured’s

1. Electronic Medical Card

2. Identification Document

Our Network Specialist will consult you. If further treatment is required, the Network Specialist will submit a pre-approval request to us.

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Pre-approval for medical expense

Once the pre-approval request is approved, we will notify the Network Specialist and you will be arranged for treatment or hospitalization. You will be entitled to a payment-free treatment by enjoying the Credit Facility Service. We will settle the pre-approved bill directly to designated hospital or clinic.

Remarks: Pre-approval Service or Credit Facility 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. Moreover, you might be required to provide credit card information and authorize AIA to collect shortfall of medical expenses, if any, from your authorized credit card account.

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On the day of treatment

Please present Insured’s identification document for verification. Before leaving the hospital / clinic, Insured is required to sign off the Medical Claim Form.

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Settle medical expense and arrangement on shortfall (if any) collection

The service provider will send us the bills and we will settle the approved medical expense on behalf of you. Upon claim assessment is completed, if the medical expense exceeds the payable amount under eligible benefit, a Shortfall Notification will be sent to Policyowner and the shortfall will be collected by the following mean.

For day surgery: shortfall details will be notified to Policyowner in written and the shortfall shall be settled by cash, cheque or electronic payments. Please visit our website to find out more payment options .

For hospitalization: a Shortfall Notification will be sent and the designated credit card will be automatically charged with the shortfall amount 14 days from the date of the notification.

If there is any outstanding shortfall, all of the Insured’s and your further Pre-approval Service, Credit Facility Service and claim reimbursement will be temporarily suspended.

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Important notes:

Pre-approval Service or Credit Facility 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.

You will be required to provide treatment information and authorize us to collect shortfall of medical expenses, if any, from your authorized credit card account.

The actual date of claim notification depends on the submission of required documents by service provider.

All the claims settlement will be subjected to the final bill and the policy terms & conditions.

Find a Hospital

We offer the Credit Facility Service on hospitalisation/day surgery in specific hospitals in Hong Kong, Macau, China and Overseas. View the list of hospital here.

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Request for the Credit Facility Service

Fill out and return the Pre-admission Form to us at least 2 working days prior having medical treatment. You will be required to provide treatment information and authorize AIA to collect shortfall of medical expenses, if any, from your authorized credit card account.

Pre-admission Form / Medical Expense Pre-approval Form (Traditional Chinese / English)

Pre-admission Form / Medical Expense Pre-approval Form (Simplified Chinese / English)

Form Submission Channel:

For Hong Kong Customer / Mainland China Visitor purchase policy in Hong Kong

Fax: (852) 3118 9083

E-mail: hk.pre-admission@aia.com

For Macau Customer / Mainland China Visitor purchase policy in Macau

Fax (853) 2831 5900

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Pre-approval for hospital / surgical expenses

Once the hospital or surgical bill is pre-approved, you will be informed for the result.

If you accept the Credit Facility Service, a minimum of HKD 5,000 / MOP5,000 (depends on the estimated shortfall amount) will be held from the credit limit of the authorized credit card until the claim assessment is fully completed. Meanwhile, a “Letter of Guarantee (LOG)” will be issued to the concerned hospital and we will take care of the pre-approved expense.

Remarks: Pre-approval Service or Credit Facility 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.

view more

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On the day of treatment

Please present Insured’s identification document for verification.

view more

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Before leaving the hospital

Insured is required to sign off the Medical Claim Form provided by the hospital.

view more

Collapse
Settle medical expense and arrangement on shortfall (if any) collection

The service provider will send us the bills and we will settle the approved medical expense on behalf of you. Upon claim assessment is completed, if the medical expense exceeds the payable amount under eligible benefit, a Shortfall Notification will be sent to Policyowner and the designated credit card will be automatically charged with the shortfall amount 14 days from the date of the notification.

If there is any outstanding shortfall, all of the Insured’s and your further Pre-approval Service, Credit Facility Service and claim reimbursement will be temporarily suspended.

view more

Collapse

Important notes:

You will be required to provide treatment information and authorize AIA to collect shortfall of medical expenses, if any, from your authorized credit card account.

The actual date of claim notification depends on the submission of required documents by service provider.

All the claims settlement will be subjected to the final bill and the policy terms & conditions.

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