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    • Guarantee Letter 101

    22 April 2021

    guarantee-letter-101.

    Guarantee
    Letter 101

    Guarantee
    Letter 101

    What is a Guarantee Letter?

    What is a Guarantee Letter?

    A Guarantee Letter is a letter of assurance that is offered by the insurer to the hospital confirming that the cost of treatment for the patient will be taken care of by the insurance company.

    This means patients do not need to pay for their hospital expenses upfront and AIA will cover the eligible expenses and make payments directly to the hospital.

    This is a value-added service for AIA medical policyholders in panel hospitals to facilitate their admission.

    A Guarantee Letter is a letter of assurance that is offered by the insurer to the hospital confirming that the cost of treatment for the patient will be taken care of by the insurance company.

    This means patients do not need to pay for their hospital expenses upfront and AIA will cover the eligible expenses and make payments directly to the hospital.

    This is a value-added service for AIA medical policyholders in panel hospitals to facilitate their admission.

    Guarantee
    Letter 101

    What is a Guarantee Letter?

    A Guarantee Letter is a letter of assurance that is offered by the insurer to the hospital confirming that the cost of treatment for the patient will be taken care of by the insurance company.

    This means patients do not need to pay for their hospital expenses upfront and AIA will cover the eligible expenses and make payments directly to the hospital.

    This is a value-added service for AIA medical policyholders in panel hospitals to facilitate their admission.

    Pre-authorisation Process

    step-1

    In the Pre-Authorisation Form, information like preliminary diagnosis, proposed medical treatment and reason for admission are required by AIA in order a decision on your eligibility for the Guarantee Letter facility. It is advisable to disclose full and accurate information in the form.

    pre-authorisation
    pre-authorisation

    Pre-authorisation Process

    step-1

    In the Pre-Authorisation Form, information like preliminary diagnosis, proposed medical treatment and reason for admission are required by AIA in order a decision on your eligibility for the Guarantee Letter facility. It is advisable to disclose full and accurate information in the form.

    step-2

    When reviewing the Guarantee Letter request, several factors that AIA will consider includes:

    policy-details
    Policy
    Details
    medical-history
    Medical
    History
    age
    Age
    gender
    Gender
    diagnosis
    Diagnosis
    type-of-treatment
    Type of
    Treatment
    step-3

    If the patient's policy terms and benefits are sufficient to cover the hospitalisation expenses, AIA will pre-authorise the claim by issuing an Initial Guarantee Letter to the hospital.

    step-4

    Before a patient is discharged, the actual cost of hospital expenses that are payable by AIA will be detailed in the Final Guarantee Letter.

    How Do I Get a Guarantee Letter?

    blue-bg
    man-sleep
    aia-panel-hospitals-icon
    aia-panel-hospitals
    aia-panel-hospitals-text
    non-panel-hospitals-icon
    non-panel-hospitals
    non-panel-hospitals-text

    In some instances, the Guarantee Letter facility would not be made available for the following reasons:

    reason

    In some instances, the Guarantee Letter facility
    would not be made available for the following reasons:

    reason
    pink-bg
    coverable
    coin

    Doctor's fees (Consultation, Surgery, Procedures)

    coin

    Hospital charges (Lab, equipment, medical supplies, pharmacy)

    coin

    Other hospital charges that are related to admission and treatment

    non-coverable
    x-icon

    Admission kit

    x-icon

    Medical report fees

    x-icon

    Registration fees

    x-icon

    Vitamins and supplements

    x-icon

    External fixations, special aids, braces

    x-icon

    Non-related test/ investigations/ medications

    blue
    pink-bg-2

    Panel Hospitals

    AIA has working arrangements with most private hospitals nationwide. This extensive coverage will give our customers peace of mind when it comes to seeking healthcare services wherever they are.

    Additionally, AIA has also selected several panel hospitals as preferred hospitals which are known as AIA Platinum Hospitals. Additional benefits for AIA policyholders in AIA Platinum Hospitals include:

    1

    Waiver of administrative charges such as registration fees, admission fees, etc.

    2

    During admission, patients with pre-approved Guarantee Letters do not need to provide a deposit

    3

    Shorter processing time for Guarantee Letter facility.

    4

    Exclusive rates on health screening packages and other value-added services. 

    To locate AIA panel hospitals:
    To locate AIA panel
    hospitals:
    go-to-aia-website
    use-panel-locator
    call-our-centre

    In summary, the Guarantee Letter facility comes as an additional benefit for AIA medical insurance policyholders. Customers can expect a worry-free hospital visit knowing that AIA will look after their financial needs with a comprehensive protection plan.

    In summary, the Guarantee Letter facility comes as an additional benefit for AIA medical insurance policyholders. Customers can expect a worry-free hospital visit knowing that AIA will look after their financial needs with a comprehensive protection plan.

    REFERENCES
    https://www.aia.com.my/en/what-matters/finance/medical-repricing-and-how-it-affects-you.html
    https://www.aia.com.my/en/what-matters/finance/medical-insurance-vs-critical-illness-insurance.html

    In summary, the Guarantee Letter facility comes as an additional benefit for AIA medical insurance policyholders. Customers can expect a worry-free hospital visit knowing that AIA will look after their financial needs with a comprehensive protection plan.

    REFERENCES
    https://www.aia.com.my/en/what-matters/finance/medical-repricing-and-how-it-affects-you.html
    https://www.aia.com.my/en/what-matters/finance/medical-insurance-vs-critical-illness-insurance.html

    Has this article helped you to understand more about guarantee letter?

    • Yes (55%)
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