Inpatient & Outpatient Procedure
Members, request approval for admission through Polaris Mobile Application or use the dedicated Polaris health line.
The request is first assessed on the basis of availment balance for the specific member, as well as for potential cases which fall into the exclusions of the policy.
The patient is then admitted for inpatient or outpatient services providing the appropriate doctors referral note, unless the case is an emergency.
The Letter of Approval procedure is automated. All inpatient cases as well as higher cost outpatient cases are assessed by our medical audit dept., as all necessary documentation is sent real time to Polaris Financial Services.
Documentation under examination includes doctors referral note(s) (if applicable), admission reports,medical abstracts as well as fully itemized SOA's (Statements of Accounts).
All costs are scrutinized to ensure that they are justified according to the Benefit Plan provisions and terms. The final authorization is then issued and the bill is paid by Polaris Financial Services on discharge.