Claim Instruction

Please find below a step-by-step claim instruction if you have had treatment out-of-network and paid upfront by yourself.


  • Make sure you collect chopped medical fapiao/invoice, medical report including diagnosis and the drug prescription list after your treatment. Discharge letter is needed for inpatient treatment.
  • If available, claim can be submitted via the insurance company’s website or app.
  • Complete the Claim Application Form as best you can.
  • Scan and send all documentation together with the claim application form to your insurer.
  • Submit the original claim documents to the insurance company after they confirm all your claim documentation is in order. For non-China claim, scanned copies may suffice.
  • You will receive email/SMS regarding to the claim application result from the insurer and be reimbursed eligible claim amounts.