Insurance at Maple Healthcare: Direct Billing Partners and How to Make an Insurance Claim

Maple Healthcare currently offers Direct Billing with five insurance providers: April, Luma, Allianz, Pacific Cross Vietnam (PCV), and Liberty. If your insurance policy is eligible for Direct Billing, Maple Healthcare can coordinate directly with your insurer. This means you generally do not need to pay upfront for the portion of your treatment that has been approved for coverage. If your insurer is not a Direct Billing partner or your policy does not support Direct Billing, you will need to pay for treatment at the clinic first. Maple will provide the necessary documents so you can submit a reimbursement claim to your insurer. Insurance benefits and reimbursement amounts depend on the terms, coverage limits and conditions of your individual policy. Contact Maple before your appointment to confirm the payment arrangements that apply to you.

Which Insurance Companies Does Maple Healthcare Offer Direct Billing With?

Maple Healthcare currently provides Direct Billing with:

• April
• Luma
• Allianz
• Pacific Cross Vietnam (PCV)
• Liberty

The list of partners may change. Please contact Maple before your appointment to confirm whether your insurer and specific policy are eligible.

What Is Direct Billing and How Is It Different from an Insurance Reimbursement Claim?

Method	What You Pay	Who Works with the Insurer
Direct Billing	Only expenses outside your insurance benefits, such as co-payments or non-covered services, if any.	Maple sends the required documentation and charges directly to the insurer.
Reimbursement Claim	The full treatment cost at the clinic first; your insurer reimburses the approved portion later.	You submit the claim with supporting documents provided by Maple.

Direct Billing does not mean that every expense is automatically covered. Your insurer evaluates the benefits, coverage limits, exclusions, deductibles and other policy requirements. If documentation is incomplete or the treatment does not qualify, you may need to pay upfront and submit a claim later.

Which Maple Clinics and Services Are Eligible for Direct Billing?

Direct Billing is available at Maple’s Thao Dien, District 3 and District 7 clinics. It may apply to the following services, subject to your policy:

• Medical consultation and assessment
• X-ray
• Chiropractic care
• Manual Therapy
• Acupuncture
• Physiotherapy: electrical stimulation, therapeutic ultrasound, and spinal and soft-tissue traction
• Muscle Release Therapy / Sports Massage (MRT / Sport Massage): 30, 60 or 90 minutes
• Stretch Therapy: 30, 60 or 90 minutes

The amount covered for each service depends on the benefits in your insurance policy.

What Should You Prepare When Using Insurance at Maple?

• Insurance Card: Bring your physical insurance card or the digital card in your insurer’s app, if available.
• Identification: You may be asked to provide your passport or Vietnamese Citizen ID Card (CCCD) for verification.
• Check Your Outpatient Benefits: Review whether your policy covers Chiropractic care, physiotherapy or rehabilitation, and check any visit limits, maximum benefit amounts or co-payments.
• Check Whether Pre-Approval Is Required: Some insurers require prior confirmation or authorisation for certain treatments. Ask your insurer or Maple before your first appointment.
• Let Maple Know When Booking: Tell our team which insurance provider you use when scheduling your visit so we can help check your benefits in advance.

How Does Direct Billing Work at Maple Healthcare?

1. Contact Maple to book an appointment. Tell us your insurer and provide your insurance card and passport/CCCD information for an advance benefits check.
2. Present your insurance card and identification on arrival. Our team verifies your details and applicable benefits with your insurer.
3. Attend your consultation. Your doctor will assess your condition, discuss an appropriate treatment plan and provide treatment where indicated.
4. Sign the required Direct Billing documents, including the payment guarantee request and acknowledgement of any outstanding treatment charges.
5. Maple sends the relevant documents and charges to the insurance company.
6. Pay any portion that is not covered by your insurance, if applicable.

What If Direct Billing Is Not Available? How to Make an Insurance Claim

If your insurer is not on Maple’s Direct Billing list or your policy does not qualify, you can pay at the clinic and submit a reimbursement claim with documents supplied by Maple.

Documents Maple Can Provide

• VAT invoice / payment invoice
• Itemised statement of services and charges
• Consultation and treatment confirmation stating the diagnosis and treatment plan
• Other documentation formally requested by the insurer, where applicable

How to Submit an Insurance Claim

1. Pay for your treatment at Maple and collect all supporting documents.
2. Verify your documents: full name matching your insurance policy, treatment date, services and charges.
3. Complete your insurer’s claim form and submit it through its designated app, email address or online portal.
4. Follow up with your insurer, which may request additional information.

Claim forms and submission deadlines differ between insurers. Submit your claim promptly and retain copies of all documents.

Important Things to Know When Using Insurance at Maple Healthcare

• Your insurer makes the final coverage decision. Maple can assist with paperwork but cannot guarantee reimbursement.
• Benefits vary between policies. Some plans only cover inpatient treatment or restrict outpatient Chiropractic and physiotherapy benefits.
• Policy exclusions and pre-existing condition clauses may affect coverage.

Frequently Asked Questions

My insurance company is not on Maple’s Direct Billing list. Can I still make a claim?

Yes. You can pay at Maple, obtain supporting documents and submit a reimbursement claim to your insurer. Approval depends on your policy, so confirm your benefits before treatment.

Do I still have to pay anything when using Direct Billing?

Possibly. You may have to pay co-payments, deductibles or services not covered by your policy. The insurer pays approved Direct Billing charges directly to Maple according to your benefits.

My policy only covers inpatient treatment. Can I use it at Maple?

It depends on your policy. Most Maple services are outpatient services, so check whether your policy covers outpatient treatment and the specific services you need.

When should I submit my insurance claim?

Submit your claim as soon as possible after treatment. Each insurer has its own filing deadline, so check your policy or ask the insurer.

Contact Maple Healthcare

Book an appointment 

Clinic	Address	Hotline	Opening Hours
Thao Dien	19 Dang Huu Pho, An Khanh Ward, Ho Chi Minh City	0938 646 112	Mon–Fri: 8:30 AM–7:00 PM; Sat: 8:30 AM–6:00 PM; Sun: Closed
District 3	107B Truong Dinh, Xuan Hoa Ward, Ho Chi Minh City	0932 055 088	Mon–Fri: 8:30 AM–7:00 PM; Sat: 8:30 AM–12:30 PM; Sun: Closed
District 7	2–4 Noi Khu Hung Gia 1, Tan Hung Ward, Ho Chi Minh City	0705 100 100	Mon–Fri: 8:30 AM–7:00 PM; Sat: 8:30 AM–5:00 PM; Sun: 8:30 AM–12:00 PM

Maple International Co., Ltd. | Medical Examination and Treatment Operating Licence No. 08834/HCM-GPHĐ. Disclaimer: This article is for general information only. Insurance benefits and reimbursement amounts are determined by your individual policy and insurer. The list of Direct Billing partners may change. Please contact Maple before your appointment to confirm eligibility.