{"id":914,"date":"2021-08-19T10:41:47","date_gmt":"2021-08-19T02:41:47","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=914"},"modified":"2026-02-19T15:01:49","modified_gmt":"2026-02-19T07:01:49","slug":"what-is-the-procedure-to-claim-medical-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-is-the-procedure-to-claim-medical-insurance","title":{"rendered":"What is the procedure to claim medical insurance?"},"content":{"rendered":"\n<p>The procedure to claim medical insurance may vary across insurers. For example, while many insurers require claims submission within 30 days that you receive treatment, some insurers allow until 90 days for submission to be made. Other difference may be the documents that insurers require to process your claims. As a general guide, we&#8217;ll walk you through the procedure to claim medical insurance.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69f2270de3490\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69f2270de3490\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-is-the-procedure-to-claim-medical-insurance\/#Cashless_vs_reimbursement_policy\" title=\"Cashless vs. reimbursement policy\">Cashless vs. reimbursement policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-is-the-procedure-to-claim-medical-insurance\/#Let%E2%80%99s_get_to_the_procedure_to_claim_medical_insurance_All_it_takes_is_four_steps\" title=\"Let\u2019s get to the procedure to claim medical insurance. All it takes is four steps.\">Let\u2019s get to the procedure to claim medical insurance. All it takes is four steps.<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-is-the-procedure-to-claim-medical-insurance\/#1_Prepare_the_documents_required_by_your_insurer\" title=\"1. Prepare the documents required by your insurer\">1. Prepare the documents required by your insurer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-is-the-procedure-to-claim-medical-insurance\/#2_Fill_in_your_claim_forms\" title=\"2. Fill in your claim forms\">2. Fill in your claim forms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-is-the-procedure-to-claim-medical-insurance\/#3_Review_and_make_copies_of_your_claim_forms\" title=\"3. Review and make copies of your claim forms\">3. Review and make copies of your claim forms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-is-the-procedure-to-claim-medical-insurance\/#4_Submit_your_claim\" title=\"4. Submit your claim\">4. Submit your claim<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-is-the-procedure-to-claim-medical-insurance\/#Medical_insurance_claim_is_easy_with_Bjak\" title=\"Medical insurance claim is easy with Bjak\">Medical insurance claim is easy with Bjak<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Cashless_vs_reimbursement_policy\"><\/span>Cashless vs. reimbursement policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Medical insurance<\/strong> pays for your hospitalization and medical bills according to your policy coverage. In terms of payment, note that <a href=\"https:\/\/piam.org.my\/medical-and-health-insurance\/\">insurers<\/a> offer cashless policy and reimbursement policy.<\/p>\n\n\n\n<p>For a <a href=\"https:\/\/ringgitplus.com\/en\/blog\/insurance\/how-do-you-make-a-medical-insurance-claim.html\"><strong>cashless policy<\/strong><\/a>, you don\u2019t have to pay for your medical expenses out of your own pocket. With most cashless policies, you simply have to present your medical card to a panel hospital, and if you don\u2019t have a medical card, you just have to contact your insurer to issue a Letter of Guarantee to the hospital. <\/p>\n\n\n\n<p>For a <a href=\"https:\/\/ringgitplus.com\/en\/blog\/insurance\/how-do-you-make-a-medical-insurance-claim.html\"><strong>reimbursement policy<\/strong><\/a>, while your insurance will also pay for your medical expenses, the policy requires you to pay for your medical expenses upfront and only then claim for reimbursement.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Let%E2%80%99s_get_to_the_procedure_to_claim_medical_insurance_All_it_takes_is_four_steps\"><\/span>Let\u2019s get to the procedure to claim medical insurance. All it takes is four steps.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Prepare_the_documents_required_by_your_insurer\"><\/span>1. Prepare the documents required by your insurer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:100%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/wpgYasZ0tBrP4lCgS3\" title=\"https:\/\/media.giphy.com\/media\/wpgYasZ0tBrP4lCgS3\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Typically, these are the documents that your insurer requires:<\/p>\n\n\n\n<ol><li>A copy of your NRIC\/passport<\/li><li>Original hospital receipts and invoices<\/li><li>Itemised hospital bills<\/li><li>Diagnostic reports (e.g. blood test and X-ray)<\/li><li>For treatment outside of Malaysia, include passport copies, boarding pass, flight ticket details, and original itemised bills<\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Fill_in_your_claim_forms\"><\/span>2. Fill in your claim forms<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:76%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/11JTxkrmq4bGE0\" title=\"https:\/\/media.giphy.com\/media\/11JTxkrmq4bGE0\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Simply download claim forms from your insurer\u2019s website and fill them in!&nbsp;<\/p>\n\n\n\n<p>But if you can\u2019t find the claim forms online, give your insurer a ring so they can get you the forms. <\/p>\n\n\n\n<p>Note that certain policies also require your doctor to furnish a Medical Examiner\u2019s Statement, which is basically a medical report of your diagnosis and treatment. Not sure whether your insurer needs one? Don\u2019t be shy, just holla your insurer. <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Review_and_make_copies_of_your_claim_forms\"><\/span>3. Review and make copies of your claim forms<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:56%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/3oriO8vwmRIZO6kcNO\" title=\"https:\/\/media.giphy.com\/media\/3oriO8vwmRIZO6kcNO\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Double-check your claim forms and the required documents. <\/p>\n\n\n\n<p>While you\u2019re at it, make a physical or digital copy of each form or document before submitting your claim. You may need them should there be any issues with your claim, so be prepared!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Submit_your_claim\"><\/span>4. Submit your claim<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:100%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/3ohryiYkE0DVwdLAys\" title=\"https:\/\/media.giphy.com\/media\/3ohryiYkE0DVwdLAys\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Submit your claim either directly to your insurer through their branch or through your agent. <\/p>\n\n\n\n<p>Some insurers allow you to submit your claim online, so do check with your insurer! <\/p>\n\n\n\n<p>Now sit back, relax, and wait for your money to be reimbursed.&nbsp;<\/p>\n\n\n\n<p><strong>PS: Submit your claim ASAP! Most reimbursement policies require you to submit your claim within 30 days of the incident. So don&#8217;t wait too long as your insurance company may not accept your claim!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Medical_insurance_claim_is_easy_with_Bjak\"><\/span>Medical insurance claim is easy with Bjak<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Bjak will handle everything for you when you purchase life and medical insurance at our platform. Our claims assistance is available 24\/7, 365 days a week and all claims are handled by claim experts with a cumulative experience of over 50 years. <\/p>\n\n\n\n<p>Secure your all-in-one life and medical insurance here: <a href=\"https:\/\/bjak.com\/life\/en\/\">Bjak<\/a><\/p>\n\n\n\n<p>(Sources: <a href=\"https:\/\/www.imoney.my\/articles\/medical-insurance-claim-guide\/amp\">iMoney<\/a>, <a href=\"https:\/\/piam.org.my\/medical-and-health-insurance\/\">Persatuan Insurans Am Malaysia<\/a>, <a href=\"https:\/\/ringgitplus.com\/en\/blog\/insurance\/how-do-you-make-a-medical-insurance-claim.html\">RinggitPlus<\/a>)<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-neve-link-color-background-color has-background\" href=\"https:\/\/bjak.my\/ms\/life?utm_source=blog&amp;utm_medium=&amp;utm_campaign=what-is-the-procedure-to-claim-medical-insurance\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Need to claim medical insurance?<\/p>\n<p>In four simple steps, this is the procedure to claim medical insurance. Read this article to get your reimbursement in time.<\/p>\n","protected":false},"author":5,"featured_media":1912,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[359],"tags":[42,59,141,143],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is the procedure to claim medical insurance? | BJAK<\/title>\n<meta name=\"description\" content=\"In four simple steps, this is the procedure to claim medical insurance. 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