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Claim for Treatment outside Liberty's direct billing network

Claim Process: Treatment outside Liberty's direct billing network

Each claim is different, let us guide you through your claim:
Applicable to HealthCare, MediCare, FamilyCare



Choose your preferred hospital or clinic for out-patient, dental or emergency in-patient treatment and pay for the expenses on your own account (for 24/7 emergency healthcare assistance by April please call (84) 28 7300 2312


Process your claim

Notify our Customer Service Center (by telephone or email) about the insured event or submit a completed Claim Form, together with all the original medical records (such as medical reports, invoices/bills, receipts, etc.) to Liberty within 90 days of the first treatment date of the insured event or, in case of maternity, the date of delivery, unless otherwise agreed by the Company.

Unless there is a legitimate reason, failure to notify our Customer Service Center about the insured event or to submit the claim request within 90 days as mentioned above will result in a
penalty calculated as a certain percentage of the total claim value as follows:

  • After 91 days to 180 days: 10%
  • After 181 days to 270 days: 20%
  • After 271 days to 365 days: 30%

If you have informed our Customer Service Center about the insured event, you must submit the original medical records to Liberty within 1 year of the first treatment date.

Process your claim


Liberty will settle your claim request within 7 working days after receiving the complete set of documents, and reimburse your claim within 5 - 7 working days of sending the reimbursement confirmation letter to you.


Frequently Asked Questions (FAQs)

  1. What are the required documents for claim reimbursement?

  2. Who and how should I sent my claim requests to?

  3. How can I contact Liberty?