We're with you, every step of a claim
Filing a claim can feel overwhelming at the worst possible time. Derrick Advisory assists clients throughout the entire claims process — from the first phone call to the final payout.
The Claims Journey
Contact Derrick Advisory
Reach out to Derrick Gan as soon as an insurable event occurs. He'll confirm your coverage and walk you through exactly what happens next.
Prepare Required Documents
Gather the supporting documents your claim needs — Derrick Advisory helps you compile everything correctly the first time.
Submit Your Claim
Your claim form and documents are submitted to the insurer, with everything checked beforehand to help avoid delays.
Claim Assessment & Payment
The insurer reviews and assesses your claim, and once approved, payment is made directly to you or your nominee.
What Actually Happens When You File a Claim
*Specimen documents shown for illustration only. Names, policy numbers, and amounts are fictional and do not represent any real client, claim, or transaction.
Claim Checklist
Documents You May Need
Always Needed
- Policy Number
- NRIC / Passport
Hospitalisation Claims
- Guarantee Letter (GL) request
- Hospital Bills / Receipts
- Discharge Summary
Critical Illness Claims
- Medical & Diagnosis Reports
- Specialist Referral Letters
- Claim Forms (where applicable)
This list is for general guidance only — the exact documents required depend on your policy and claim type. Derrick Advisory will confirm exactly what's needed for your situation.
Claim Success Stories
Actual Bill · Redacted
Cardiac Emergency Claim
A 2-day ICU stay, over RM51,000 in bills
A client experienced sudden chest discomfort that turned out to be a cardiac emergency. After urgent evaluation, a coronary angiogram (cardiac catheterisation) was performed and the client was monitored in the Intensive Care Unit before being discharged just two days later. The final bill came to RM51,811.45 — but because the client already held an active medical card, treatment proceeded without delay.
“Having the right medical insurance doesn't prevent illness — it prevents a medical emergency from becoming a financial crisis.” — Derrick Gan
Actual GL · Redacted
Gastrointestinal Hospitalisation
When a “stomach bug” becomes a RM16,000 hospital bill
What began as severe abdominal pain, vomiting and diarrhoea turned out to be infectious gastroenteritis and colitis, requiring four days of hospitalisation. A Guarantee Letter was arranged so the hospital could bill the insurer directly. Of the RM16,741.74 total, RM16,666.74 was approved and paid — leaving the client to settle only a RM75 non-covered admin fee.
“Medical insurance isn't just about making a claim — it's about protecting your savings and giving you peace of mind when life takes an unexpected turn.” — Derrick Gan
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Common Claim Mistakes
Claims Questions
Need help with your claim?
Let's talk about your situation — reach out any time.