Insurance & Panels
The insurers and third-party administrators we bill directly, how a Guarantee Letter works, and what you are responsible for.
If your insurer or your employer's administrator is on our panel, we can bill them directly instead of asking you to pay and claim it back. Approval still rests with them, so it is worth checking your cover before you come in.
How a Guarantee Letter works
- Before you come in Check with your insurer, agent or HR department that you are covered for the treatment, and ask what your policy limits are.
- At registration Bring your insurance card and identification. Where a Guarantee Letter is needed, we help you request it from your insurer or administrator.
- On discharge We bill your insurer for the approved amount. Anything above it, or anything they decline, is settled at the counter.
Who we work with
Two separate lists. An insurance company is who your policy is with. A third-party administrator handles claims and hospital authorisations on behalf of insurers or employers — many people are covered through one without realising it.
Insurance companies 1
- 10
Third-party administrators (TPAs) 1
- 18
Panel arrangements change. If you do not see your insurer here, call us before your visit — coverage may still be possible through an administrator, or by reimbursement.
Being on our panel does not guarantee full coverage
Panel status means we can bill your insurer directly. It does not mean everything is paid for. Any shortfall is billed to you, so it is worth knowing where you stand before treatment rather than at the counter.
- Confirm your eligibility with your insurer
- Understand your policy limits
- Obtain a Guarantee Letter where one is required
- Ask about exclusions that apply to your policy
Frequently asked questions
A third-party administrator manages insurance claims and hospital authorisations on behalf of insurers or employers.
If you are covered through one, a Guarantee Letter is usually required and pre-authorisation may be needed. Coverage remains subject to your policy limits.
Check with your HR department, your agent or the administrator before admission.
Yes. PMCK works with selected employers to provide outpatient consultations, health screening, occupational health services, pre-employment medical examinations and panel GP services.
What you are covered for depends on your employer's agreement, so please check with your HR department.
No. Some packages are eligible, some need a specialist consultation or documentation of medical necessity, and wellness or screening packages often fall outside a policy altogether.
Before admission, check with our registration counter, confirm with your insurer, and obtain a Guarantee Letter where one is required.
Faster admission, direct billing rather than paying and claiming back, a smaller amount to pay upfront where a Guarantee Letter is approved, and a simpler claims process.
What it does not do is decide your coverage. That still depends on your policy terms, your annual limit, medical necessity and any exclusions.
You can still be treated here. Settle the bill at the counter and claim from your insurer afterwards — ask for the original copy of your bill, which you will need for the claim.
It is also worth calling us first, as you may be covered through a third-party administrator that is on our panel.
More on paying for your care
For panel and insurance enquiries, please contact our billing counter or call +604-734 2888.
