IDEAS supports the processing of GL, which includes the IGL, Top up Guarantee Letter (“TGL”) and FGL.

We have set out below some illustrations of how IDEAS improves the workflow and communication between the Healthcare Provider and the insurance provider when processing the claim requests involving GL.

IGL is an approval or guarantee given by an insurance provider to cover the medical expenses against the claim requested by a patient upon admission. To enable the evaluation of such claim request by the insurance provider, the Healthcare Provider needs to provide specific information of the patient such as his clinical condition, demographic information and the details of the insurance policy through an Insurance Pre-Authorization Form (“IPAF”).

IDEAS digitises the IPAF by automatically capturing the requisite data from the respective integrated HIS of the Healthcare Provider. IDEAS then automates the transfer of such IPAF data to the respective insurance providers (“Payors”) through web APIs. This allows the Healthcare Provider to receive from the Payors the details of IGL such as the amount of claim approved and the validity of the IGL.

TGL is an approval or guarantee given by an insurance provider to cover the additional medical expenses incurred by the patient. Similarly, IDEAS digitises the exchange of data as required for the issuance of TGL, by automatically capturing the data and supporting documents such as the laboratory report and the details of the bill.

FGL is the approval or guarantee given by an insurance provider to cover the medical expenses against the claim requested by a patient upon discharge. Similar to the process of issuance of IGL, IDEAS will be able to automate the transfer of the IPAF data and all the relevant supporting documents to the respective Payors to allow the issuance of the FGL in accordance with the prescribed form of the respective Payors.