Availment/Claims


Notice of Claim

  • Written notice of injury or illness must be submitted to the company within thirty (30) days from the time of loss.
  • Failure to do so shall invalidate the claim except when it is clearly justified that notice cannot be furnished within the prescribed period and is made as soon as reasonably possible.

Proof Of Claim

  • Proof / documents must be submitted to the company within ninety (90) days but not more than 365 days from time of loss.

Availment Procedure

  • A person enrolled under Hospital Confinement Benefit (HCB) is eligible to avail of the services of “Med Asia” provided he is registered member.
  • Med Asia,. will issue a card individually for each enrolled member.
  • This card will be presented to the accredited hospital or clinic for confinement or emergency treatment.
  • Med Asia., upon confirmation of membership in good standing, will issue a letter of guarantee to the hospital or clinic for hospital confinement or treatment
  • Insurer will issue validated hospital bill in accordance with the scope of coverage and limit of benefits of insured member and amount of guarantee to the hospital before discharge of patient from confinement.
  • Member / Patient will be discharged from the hospital without shelling out any cash if the amount of benefit in the policy is sufficient to cover the hospital bill.
  • If benefit is not enough to cover the hospital bill, the member/patient will pay the excess amount prior to discharge from hospital.

Documentary Requirements

Personal Accident

  • Death certificate and Birth certificate of insured.
  • Marriage contract of beneficiary.
  • Birth certificate of beneficiary.
  • Accident report.
  • Certificate of attending physician.
  • Certificate of authorization.
  • Other documents, if required.
  • Obituary/news clippings.
  • Police investigation report.
  • Medical reports (autopsy, toxicology).

PA Medical Reimbursement/Disablement and Dismemberment Claims.

  • Police Report or Accident Report.
  • Medical Certificates.
  • Original copy of Official Receipts for medicines purchased with prescription and doctor’s fee.
  • Operating room record, if any.
  • Record of confinement/Medical history , if applicable.
  • Pictures of disabled/dismembered body part.
  • Other documents that may be required.

Documentary Requirements Life Insurance Benefits

Death Claim

  • Marriage contract of beneficiary.
  • Birth certificate of beneficiary.
  • Accident report.
  • Certificate of attending physician.
  • Certificate of claimant/beneficiary.
  • Certificate of authorization.
  • Other documents, if required.
  • Obituary/News clippings
  • Police investigation report.
  • Medical reports (autopsy, toxicology).