Claims are to be submitted to us by the Medical Institutions through the system set up by the Ministry of Health of
Singapore in accordance with the terms and conditions under the CPF Act and the MediShield Life Scheme Act 2015 (where
applicable), as amended from time to time. Once you have given the medical institution the authorisation to
submit your claim for you, the medical institution will submit a claim to the insurer on your behalf.
This will not be applicable to claims under Pre- Hospitalisation Benefit, Post-Hospitalisation Benefits, Congenital
Abnormalities of Insured’s Biological Child from Birth (for female Insured), Non-insured Donating an Organ to Insured,
Emergency Overseas (outside Singapore) Medical Treatment Benefit and Post-Hositalisation Psychiatric Treatment under
the Benefits Provisions of this Policy. Claims must be notified through the submission of a completed Accident &
Hospitalisation with other proof of loss documents as may be determined by us to our satisfaction.