服務易 eService
Local Day SurgeryPre-authorization and Direct Billing Service
CTF Life Insurance builds a high-quality specialist network, with day surgery centres located throughout Hong Kong, Kowloon, and the New Territories. Network doctors will arrange pre-approval (direct payment) service applications for customers, so there is no need for customers to go through claims procedures.
Day surgeries include gastroscopy/colonoscopy, cataract surgery, wart removal surgery, ENT surgeries*, and surgical procedures*.
* ENT surgeries include:
- Sinus/ear cleaning or microscopic examination
- Nasal polyp removal surgery
- Nasopharyngoscopy/nasal endoscopy
* Surgical procedures include:
- Excision of skin or subcutaneous tissue lesions
List of Medical Centres for Pre-authorization and Direct Billing
- TopMedical
- TopMed Hospitalization Plan
- TopMed Major Medical
- TopMed Major Medical Rider
- Major Medical Rider
- "MediEase" Hospitalization Plan
- "MediEase" Major Medical Rider
- "MediZure" Hospitalization Rider
- "MediZure" Major Medical Rider
- Hospital and Surgical Rider
- HS Rider / HS Rider with MMR
- Prosperous HS Rider / Prosperous HS Rider with MMR
- Prosperous Medical Plan
- Prosperous HB Rider
- TopMed Refundable Hospitalization Plan
- "LifeCare" Medical Account
- "LifeCare" Enhanced Medical Rider
- MediGold Worldwide Medical Insurance Plan
- MediPro Medical Insurance Plan
- Major Medical Protector
- "MediEase" Surgical Benefit Plan
- "MediEase" Top Up Medical Plan
- "MediCare" Medical Insurance Plan
- MediGold Plus Insurance Plan
- "WiseCare" Medical Insurance Plan
- "TopCare" Medical Insurance Plan
- "BetterCare" Medical Insurance Plan
- "MediSave" Medical Account
- "MediSave" Major Medical Rider
- "TargetCare" Cancer Plan/Rider
- "FlexiCare" Medical Insurance Plan
- MediChamp Insurance Plan
- "ChampCare" Medical Insurance Plan
- Doctor Search
- Available in the "CTF Life" mobile app under "Network Doctor and Pre-approval" service.
- Select a doctor from the "Daycase Surgery Network Doctors" and call the clinic directly to make an appointment.
- Pre-Approval Registration
After booking an appointment with network doctor, client can click “Pre-authorization Application” in “CTF Life” mobile app:
- enter contact mobile no. to received One Time Password (OTP);
- enter personal information such as Policy no. and credit card information for shortfall collection purposes*;
- SMS notification will be sent to client mobile no. after successful registration
**For collecting any out-of-pocket balance, no deposit will be charged.
- Consultation
- Upon arriving at the clinic, log in to "CTF Life" mobile app > "My" > download the "Medical Card" and present it to the clinic nurse for registration and identity verification.
- Pre-Approval Application
- If surgery is confirmed after the consultation, doctor will submit the "Pre-authorization Application" to UMP, UMP will be responsible for approving the application.
- Pre-Approval Result Notification **
- Within four working days, the day surgery centre, hospital, clinic, and customer will receive the preliminary approval result from UMP, which will include the approval status and estimated out-of-pocket expenses.
- Surgery
- Proceed with the surgery as scheduled.
- The customer must pay any additional costs exceeding the Pre-approved amount to the hospital.
- After claims assessment, if the customer needs to pay the balance or out-of-pocket amount, CTF Life will collect the relevant amount from the customer's authorized credit card account within 15 days after the claim settlement advice is issued.
If you have any questions, please contact our 24-hour customer service hotline at +852 2866 8898 (press 3).
Notes:
This service is provided by a third-party service provider and is not part of the insurance policy coverage. Chow Tai Fook Life Insurance Company Limited ("CTF Life") makes no representations, warranties, or commitments regarding the quality of the services provided, nor will it assume any liability for the services provided by such organizations. This service does not require additional premiums. CTF Life reserves the right to replace such service providers, review, adjust, or change the details, terms, and conditions of the services from time to time, and to terminate and/or suspend this service at any time.