Don’t face claim confusion alone. Let Faith help you find the next step faster.

Before a planned hospital admission

If your doctor recommends an admission or day surgery, do not wait until admission day to check your medical-card process.

1. Ask the hospital admission counter what they need from you and whether your doctor participates in the relevant panel arrangement.
2. Bring your medical card, identification, admission paperwork and any documents the hospital asks for.
3. For a planned admission, ask the hospital to submit the necessary request to the relevant administrator as early as possible.
4. Confirm your room-and-board entitlement, any co-payment, deductible, deposit or charges that may not be covered.
5. Keep copies of the admission form, itemised bills, final tax invoice, receipts, medical reports and investigation results.

A guarantee letter or cashless admission is not automatic. It depends on your policy, the hospital, participating doctor, clinical information and the administrator's assessment.

If you need to claim after treatment

For reimbursement claims, prepare documents early. The exact list depends on your policy and treatment, but commonly includes:

• a completed claimant statement;
• identification and bank-payment details if not previously supplied;
• original receipts, final tax invoices and itemised/detailed bills;
• the treating doctor's medical report and relevant diagnostic reports; and
• for overseas treatment or accident claims, any additional supporting records requested by the insurer.

For outpatient accident treatment, the insurer may require a medical report depending on the amount claimed and the documents available. Follow the current document checklist for your own policy.

Why a GL or claim can take longer

Delays can happen when the hospital or insurer needs more information, when a doctor is not participating in a panel arrangement, or when there are questions about policy status, exclusions, treatment type, room upgrade, co-payment or non-covered charges.

If you are asked to pay an amount yourself, request a written breakdown. It helps you understand which items are not covered and whether reimbursement consideration is available under your policy.

When to ask Faith for help

Contact Faith before admission if you are unsure which documents to prepare, what to ask the hospital, or how to read a non-covered-charge notice. Faith can help you organise the questions — but the final decision always rests with the insurer and your policy terms.