How to Submit a Claim
Payment & Notification on member claims
Claim
Form
Fill in ING Claim
Form.
Receipt
and Itemized
Billing
Attach Original Receipt & itemized
Billing & sign the Claim Form.
Issue cheque to
member
Benefits. / Limits
verified & approved
Documents
returned
Benefits / Limits
verified & rejected
Place Claim Form &
attachments to Students
Services Dept
ING processes claims.
Reimbursements for complete claims will be credited into members account within 21 calendar
days from date of receipt.
All claims will be reimbursed according to benefit entitlements, subject to the 13th MMA Fee
Schedule.
Employee Benefits
1
Reimbursement Claims
1. Outpatient Clinical
(Complete Member Outpatient Claim Form)
* Non-panel clinic emergency claim
* No panel clinic within 5 km of your location
* Panel clinic closed
* Emergency outpatient treatment at hospital
Accident & Emergency (A&E) unit
* Waiting for new / loss of ING member ID card
2. Inpatient Hospital Admission (Complete Member Hospitalization & Surgical Claim Form)
* Non-panel Hospitals
* Government Hospital
* Pre & Post (follow up) hospitalization
Employee Benefits
2
Documents Required for medical Claim
1. Outpatient Clinical
# Complete Member Outpatient Claim Form
# Indicate the reason for Pay & Claim in the claim form
# Attached all ORIGINAL bill(s) / Receipt(s)
# Attending doctor needs to illustrate the nature of
illness or accident on the bill/receipt.
Reimbursable claims :* Non-panel clinic emergency claim
* No panel clinic within 5 km of your location
* Panel clinic closed
* Emergency outpatient treatment at hospital
Accident & Emergency (A&E) unit
* Waiting for new / loss of ING member ID card
Employee Benefits
3
Documents Required for medical Claim
2. Inpatient
Hospital Admission
# Complete & sign Member Hospitalization & Surgical Claim Form – Section I
# All claims must be supported with ORIGINAL bills together with ORIGINAL official receipts
# For hospital admission, initial deposit receipt must be submitted with the claim documents
# Bills must be ITEMIZED with detail breakdown of charges. Pharmacy charges must be
itemized with details of medication prescribed
# If the medical bill/ receipt is RM500 & above, the student needs the attending doctor to
complete Member Hospitalization & Surgical Claim Form – Section II Discharge medical report
(FYI, the hospital/doctor will apply charges for filling up the medical report. ING will compensate
RM80 for medical report)
# Medical bill/ receipt below RM500, medical report is not necessary.
However, the attending doctor needs to illustrate the nature of illness or accident on the bill/receipt
Note: Photocopy / duplicate bill(s) / receipt(s) will be declined.
Reimbursable claims :* Non-panel Hospitals
* Government Hospitals
* Pre-Surgical & related follow up visit
within 60 days from date of discharge
Employee Benefits
4
Non-Reimbursement Claims
1. Outpatient Clinical
* Panel clinic claim without the use of the ING member ID card
* Claim from non-panel clinics in a non-emergency
* Outpatient Specialist Treatment
2. Inpatient Hospital Admission
* Non-covered or excluded services, treatments and medication
Employee Benefits
5
Important Notes
A GP clinic is under the conduct of a registered medical practitioner who
provides primary care and specializes in family medicine.
Your policy recognizes treatment at ING Panel GP clinics ONLY.
A Specialist Clinic is a clinic with in-depth diagnosis or treatment on
Diseases of specific parts of the body.
Outpatient Specialist Treatment is EXCLUDED.
ING
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Important Notes
Things to be avoided during hospitalization
Examples of non-covered items :
extra food
admission kit / discharge pack
telephone calls,
laundry
unrelated tests, drugs
vitamins & supplements
ING
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Important Notes
DEPOSIT
TREATMENT
PERSONAL
PERSONAL DEPOSIT
Some hospitals may require personal deposits (on top of deposit
granted by ING) upon admission to pay excess or non-covered
Item(s) under the policy. This deposit is refundable upon discharge.
Please refer to your Student Services Department for detailed
information on your benefits
ING
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Important Notes
Non-emergency cases, if LOG is not arranged in advance within 48 hours,
please pay first and submit your claim to ING
For emergency (i.e. life & limb threatening) cases, ING will give immediate
approval to the hospital.
Pre-Admission Assessment (PAAF) form needs to be signed by member and
completed by your attending doctor and hospital needs to submitted to ING
call centre before we could proceed to issue LOG.
Long term medications will only be issued on monthly basis.
Claims must be submitted to student centre for submission to ING within
30 days from the date of consultation or service.
ING
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