I want to claim for

Individual Business

insurance.

Select the category below to submit your claim.

Family & Home

Medical

Personal Accidents

Travel & Leisure

Vehicle

Nomination of Beneficiaries

Claim for proMedico (Business)

proMedico (Business) Claim Process

Each claim is different, let us guide you through your claim:

step 1

Fill up Liberty’s medical claim form

Please fill in medical claim form and mail the original *supporting documents to Liberty at One Raffles Quay #25-01 North Tower Singapore 048583.

*Supporting documents

For Private Hospital:
- Insured to complete page 1 and 2 of the Medical Claim Form
- Attending physician/specialist to complete page 3 and 4 of the medical claim form
- Original official final and itemized medical bill(s) (including but not limited to) hospital tax invoices, attending physician bills, pre & post hospital tax invoices, medical/specialist reports and settlement letter from other insurers if bill(s) partially paid.
For Restructured Hospital:
- Insured to complete page 1 and 2 of the Medical Claim Form
- Submit inpatient discharge summary
- Other supporting documents such as medical/specialist reports, settlement letter from other insurers if bill(s) partially paid.

Please note the above list of documents is not exhaustive. We will contact you directly if other documents are required.

step 2

Process claims

Upon receiving of Liberty’s medical claim form and all original copies of medical bills, we will proceed to process your claims in estimated 14 working days.

step 3

Payment

Upon approval, we will proceed to pay your claims in estimated 7 working days via GIRO.

step 4

Process claims

Upon receiving all original copies of pre and post medical bills with completed medical claim form, we will proceed to process your claims in estimated 14 working days.

step 5

Issuance of Letter of Agreement (LOG)

Alternatively, if you want to obtain LOG, you are required to submit pre-authorisation to Liberty. We will contact you in estimated 5 working days.

Frequently Asked Questions (FAQs)

Can I go to any physician or hospital I want?

Yes, subject to limits and benefits as set out in the policy.
What is the grace period to submit a claim?

Claims must be lodged within 30 days from date of occurrence. If the claim is submitted after 30 days, we will need valid reasons for delay in reporting.
Do you cover the cost of obtaining medical certificates needed to support the claim?

No. Liberty does not pay for any medical report(s) obtained from hospital/clinic/doctor. Proof of illness/injury will be at the expense of the insured/claimant.
Can I email Liberty the scanned documents instead?

No. The documents can be scanned and emailed to us however we will need the original copies to process the claim.
I am claiming from 2 insurance companies. What is the procedure?

Please indicate in the Medical Claim Form that you are lodging a claim with another insurance company. Please submit a copy of the settlement advice and tax invoices in order for us to reimburse the balance (subject to policy terms & conditions). The reimbursement should not exceed the total amount that you have incurred.
How much can I claim from my policy?

This depends on the benefit entitlement in your policy. Please refer to the Schedule of Benefits.
I have multiple admissions in hospital. How do I submit the claim?

Each admission or surgery must be accompanied by a Medical Claim Form. Claim form is not required for follow-up visits with the same doctor/hospital.
What is a deductible/co-insurance?

The portion of costs for which insured person/claimant is responsible for. The deductible/co-insurance is applicable for each & every diagnosed medical condition for which a claim is made within any one policy year.
What is the minimum number of hours to be confined in hospital in order to lodge a claim?

For day surgery cases, there is no minimum number of hours to be eligible for a claim. However for non-surgical admissions, you can submit the claim for assessment when you are charged for a full day Room & Board.
When I utilize my Medisave account to pay for my treatment, how will my claim be reimbursed?

Payment made from a Medisave account will be refunded to the respective Medisave account accordingly.