1. Policy Holder / Beneficiary fill out respective Claim Form and enclosing the supporting documents.
2. Tokio Marine Life Claim Form and supporting documents for each type of claim can be available in the Claim Form menu.
3. The Claim documents can be submitted to Tokio Marine Life Head Office or Sales Office.
4. The Claim will be processed if the Claim form and all supporting documents completely received by Tokio Marine Life.

1. The insured comes to the Hospital and shows an insurance card.
2. The Hospital confirmed to the Third Party Administration (TPA) which appointed by Tokio Marine Life, namely Across Asia Assist (AAA).
3. The doctor who performs the examination fill out completely the health data form and send it to TPA.
4. If the initial diagnosis meets the provisions of the Policy, then AAA issues an initial Guarantee Letter.
5. AAA will do monitoring during Hospitalization.
6. The hospital sends final diagnosis and billing to AAA when the hospitalization is finish.
7. AAA will verify the final diagnosis.
8. If the final diagnosis meets the provisions of the Policy, then AAA issues a Final Guarantee Letter.
9. AAA will provide final guarantee calculations to the hospital.
10. If all fees are included in the insurance guarantee, then no excess are paid by the Insured.

1. The Policyholder must do pre-authorization of planning for the hospitalization to AAA at least 3 (three) days prior the departure.

2. Documents required for pre-authorization are photocopies of ID cards, passports, doctor's appointment and medical data.

3. AAA will verify the submitted health data.

4. If the initial diagnosis meets the provisions of the Policy, then AAA issues an Initial Guarantee Letter.

5. AAA will coordinate with the Hospital Provider.

6. The insured comes to the Hospital and shows the Initial Guarantee Letter and pays the deposit.

7. AAA will do monitoring during Hospitalization.

8. The hospital send final diagnosis and Billing to AAA when the hospitalization is finish.

9. AAA will verify the final diagnosis.

10. If the final diagnosis meets the provisions of the Policy, then AAA issues a Final Guarantee Letter.

11. AAA will provide final guarantee calculations to the Hospital.

12. If all fees are included in the insurance guarantee, then no excess are paid by the Insured.

Medisclick is an application provided by Across Asia Assist (AAA) to facilitate the Insured in hospitalization process.

The benefits of Medisclick are

1. To get information the nearest Hospital Provider.

2. To do admission in the Hospital Provider.

3. Easy access in communication with AAA.

4. To monitor hospitalization guarantee status.

5. Information of Insurance Benefits.

The Medisclick application is available in Android and iPhone (iOS) version that can be downloaded on the Google Play Store or Apple App Store.

Medisclick Application Usage Guide click here.