Acute Bronchitis – Prudential Malaysia Medical Card's Claim

My client age 4 months upon admission to the hospital (Hospital Pusrawi KL) . Based on the medical report the doctor declare it as Acute Bronchitis.

But why claim? Not medical card “cashless” system? The answer is, upon policy approval, protection start after 30 days of approval . But medical card waiting period is 90 days. Less than 90 days, you may go to the hospital under reimbursement basis scheme. After 90 days, medical card system activated. *You need to contact your agent if you are admitted to the hospital less than 90 days after policy approved.Contact your agent as the agent need to help you in doing the claim. There are few forms and procedure need to be done. How long you need to wait for the claim? My client discharge on 04.08.2010, claim made the next day (05.08.2010), the claim received on 20.08.2010 . (The cheque date is 19.08.2010)