DIRECT BILLING SERVICES WITH PRESTIGE INTERNATIONAL

I. ABOUT PRESTIGE INTERNATIONAL

Prestige represent non-life insurance companies in providing medical assistance services for international travel insurance policyholders in the event of illness or accident.

When insured individuals – including international travelers, expatriates living and working in Vietnam, and their accompanying family members – require medical care, they can contact Prestige’s 24/7 assistance hotline. The call center will recommend a suitable hospital and assist with arranging cashless treatment (direct billing, no upfront payment required).

Additionally, Prestige’s staff can guide patients to hospitals included in the recommended provider network of the insurance company, provided that the treatment costs are covered by the voluntary international travel insurance program.

Products & Services:

• Medical Assistance
• Automotive Assistance
• Cashless Medical Service

II. DIRECT BILLING SERVICE PROCESS FOR PRESTIGE INTERNATIONAL’S MEMBER AT BERNARD HEALTHCARE

When Prestige’s member visit Bernard Healthcare, the direct billing process will proceed as follows:

• Step 1: Member Eligibility

Recognize a Prestige’s member

Check member eligibility by operator

• Step 2: Consultation & Guidance

Our insurance officer will verify the available information via Prestige’s operator (Period of Insurance, Outpatient Direct Billing, Direct Billing Limit, Copayment / Coinsurance / Deductible……)

Member will be advised on the examination process and how to use direct billing services at Bernard Healthcare.

• Step 3: Medical Services

Member undergo examination and treatment at Bernard Healthcare

• Step 4: Billing Procedure

Process for services eligible for Direct billing

Process for Pre-authorization (if any)

• Step 5: Confirmation & Payment

Member will sign the documents related to their visit.

Member pay for any costs not covered by insurance or exceeding the coverage limits.

III. DIRECT BILLING SERVICES AT BERNARD HEALTHCARE

Bernard Healthcare's direct billing service offers peace of mind with a fast and convenient process.

1. Simple and Efficient Payment Procedures

To continuously enhance customer experience, our direct billing service provides maximum convenience with a quick and streamlined process. A dedicated service counter and professional insurance officers are always available to support and guide clients.

2. Domestic and International Insurance Partnerships

Bernard Healthcare is proud to partner with many reputable insurance companies both domestically and internationally, ensuring a seamless experience for clients in both health care and treatment cost coverage.

3. Supported by a Highly Experienced Medical Team

Bernard Healthcare gathers a team of multi-specialty doctors with extensive clinical experience. Many have devoted their careers to treating thousands of patients and have received ongoing specialized training in leading developed countries:

• Gastrointestinal & Hepatobiliary Cancers: Japan, South Korea
• Breast Cancer: Japan, USA
• Wound Care & Vascular Surgery: USA, Australia, Germany, Spain, South Korea
• Spine & Musculoskeletal Disorders: France, USA, Japan
• Diagnostic Imaging: France, USA, Japan
• Physical Therapy & Rehabilitation: Japan

4. Professional Operations and Advanced Equipment

Operating under high-quality service standards inspired by Japanese medical models, Bernard Healthcare emphasizes a synchronized approach including: outstanding clinical quality (experienced doctors and nurses), advanced medical technology solutions, cross-checking procedures across all examination stations, especially in diagnostic imaging (MRI, CT scans) and functional testing (endoscopy), with direct oversight and quality control by Japanese hospitals.