Remember that for all non-emergency in-patient treatment or surgery you must request pre-authorization from our 24/7 Customer Service Center 
(toll free in Vietnam), or Hotline@LibertyInsurance.com.vn
A1 - Emergency in-patient treatment (including day case treatment)
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Present your Liberty HealthCare card, ID card/ passport and credit card to the Medical Service Provider prior to any treatment (you will be asked to pay a deposit if you do not have any credit card)
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Sign the Treatment Voucher/ Claim Form to acknowledge receipt of the treatment
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Pay for any excess or non-covered expenses on your own account
A2 - Non-emergency in-patient treatment (including day case treatment)
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Present your Liberty HealthCare card, ID card/ passport to the Medical Service Provider prior to any treatment
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Sign the Pre-authorization Form completed by the Medical Service Provider (the Medical Service Provider should get in contact with Liberty Insurance to obtain authorization. There is usually a 24hr wait for Liberty Insurance to review the case and give decision)
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Sign the Treatment Voucher/ Claim Form to acknowledge receipt of the treatment
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Pay for any excess or non-covered expenses on your own account
A3 - Out-patient or dental treatment (depending on your policy benefits)
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Present your Liberty HealthCare card, ID card/ passport and credit card to the Medical Service Provider prior to any treatment (you will be asked to pay a deposit if you do not have any credit card)
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Sign the Treatment Voucher/ Claim Form to acknowledge receipt of the treatment
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Pay for any excess or non-covered expenses on your own account
B1 - Emergency in-patient, out-patient or dental treatment
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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 ISOS please call (84-8) 38 247 123).
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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 Insurance 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.
Important note:
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:
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After 91 days to 180 days: 10%
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After 181 days to 270 days: 20%
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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 Insurance within 1 year of the first treatment date.
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Liberty Insurance 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.
B2 - Non-emergency in-patient treatment (including day case treatment)
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Submit your request for Pre-authorization with a detailed quotation and medical documents relevant to such elective treatment for Liberty Insurance's approval at least 5 working days
before any non-emergency hospitalization or planned surgical operation, and Liberty Insurance will approve this request within 03 working days of receiving all the required medical documents.
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Pay for the expenses on your own account and submit a fully completed Claim Form together with all the original medical records (medical reports, invoices/bills, receipts, etc.) to Liberty Insurance within 1 year of the first treatment date.
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Liberty Insurance 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.
