FWD Insurance

Step 1

Doctor advises customer to be hospitalised.

Step 2

Customer present e-medical card on FWD Health Hub app or NRIC/Passport.

Step 3

Doctor send completed Admission Form to MiCare.

Step 4

MiCare assess customer’s eligibility for GL* facility.

Note: Customer can submit inpatient GL request through FWD Health Hub app, monitor the real-time status, and check if the GL is covered.

Covered

MiCare issue GL to Hospital for hassle-free admission.

Not Covered (Step 1)

MiCare will send a decline letter to hospital and customer

Not Covered (Step 2)

Customer to decide whether to seek treatment by self-paying then file a claim after discharge. Alternatively, customer may opt for personal insurance or transfer to government hospital.

Step 1

Doctor confirms the final diagnosis and advises patient to be discharged.

Step 2

Discharge procedure begins.

Step 3

Hospital compile all medical expenses incurred from different departments and other relevant medical reports.

Note: Customer able to track Live GL status and also able to view the softcopy of the final GL via FWD HealthHub app.

Step 4

Hospital uploads the final bill to MiCare. The final GL will be issued within 1 hour after receiving complete documentation

Step 5

Patient to pay for any uncovered/excess charges before discharge

Original copies

• Medical bill(s) and receipt(s)

Certified true copies

• Itemised bills
• Test result(s) available
• Discharged note(s)
• Bank statements / bank book details (for auto credit verification

Photocopies

• Copy of Life Assured’s NRIC/ birth certificate or passport for foreigner
• Copy of Policyowner’s NRIC or passport for foreigner

Certified true copies

• Discharge note(s)
• Test result(s) available
• Medical bill(s) and receipt(s)
• Bank statements/bank book details (for auto credit verification)

Photocopies

• Copy of Life Assured’s NRIC/ birth certificate or passport for foreigner
• Copy of Policyowner’s NRIC or passport for foreigner

Kindly note that the submission requirements above should be used as basic points-of-reference only. We reserve the right to request for other relevant documents and information.

Original copies

• Medical certificate(s)
• Medical bill(s) and receipt(s) - for medical expenses purpose

Certified true copies

• Bank statements/bank book details (for auto credit verification)
• Police Report
• Test result(s) and radiology report(s) available

Photocopies

• Copy of Life Assured’s NRIC/ birth certificate or passport for foreigner
• Copy of Policyowner’s NRIC or passport for foreigner

Kindly note that the submission requirements above should be used as basic points-of-reference only. We reserve the right to request for other relevant documents and information.

Original copies

• Policy Contract/ Deed of assignment (if available)

Certified true copies

• Death certificate
• Burial Permit or Police Report (for Cause of Death classified as 'Unknown' or Death certified by Police)
• Letter from JPN (for Death Outside Malaysia)
• MRTA (Mortgage Reducing Term Assurance) certificate
• Claimant / Nominee’s NRIC/ Birth Certificate/ Passport
• Proof of relationship, i.e. marriage certificate (spouse), birth certificate (child / deceased)
• Bank statements/bank book details (for auto credit verification)
• Letters of Administration / Grant of Probate / Form E or F under Small Estates (Distributions) Act 1955 / Court Order

Photocopies

• Copy of deceased’s NRIC/ birth certificate or passport for foreigner (if the age has not admitted)

Additional document for Accidental Death Benefits:

Certified True Copy:

• Police Report
• Third-Party Police Report
• Final Investigation Police Report
• Post Mortem / Autopsy Report
• Toxicology Report
• News article on the accident (if available, in any language)

Kindly note that the submission requirements above should be used as basic points-of-reference only. We reserve the right to request for other relevant documents and information.

Original copies

• Confidential Medical Certificate (by disease type)
• Policy contract (if available)

Certified true copies

• Blood test, ECG and/or radiology reports, Histopathological report
• Bank statements / bank book details (for auto credit verification)
• Discharged note(s)
• Other relevant medical evidence

Photocopies

• Copy of Life Assured’s NRIC/ birth certificate or passport for foreigner
• Copy of Policyowner’s NRIC or passport for foreigner

Original copies

• Policy contract (if available)

Certified true copies

• Blood test, and all radiology reports
• Bank statements/bank book details (for auto credit verification)

Photocopies

• Medical bill(s) and receipt(s)
• Letter and medical report from Socso
• Medically boarded out letter from employer
• Copy of Life Assured’s NRIC/ birth certificate or passport for foreigner
• Copy of Policyowner’s NRIC or passport for foreigner

Additional document for Accidental Total and Permanent Disability Benefit

Certified True Copy:

• Police Report
• Third-Party Police Report
• Final Investigation Police Report
• News article on the accident (if available, in any language)