What is Direct Billing?


APRIL possesses an extensive network of hospitals, clinics and healthcare practitioners where you can enjoy direct billing services across Asia. Simply visit an enrolled practitioner of your choice and show your member card at the counter. You won’t have to pay anything out of your own pocket!


eCard.PNGHow do I know if I am eligible for direct billing?

To verify your eligibility for direct billing, we invite you to download the APRIL Easy Claim app on your smartphone and once you're signed in, click on the “E-card” button.

  • If the code “DB” is displayed on your card, you are eligible for direct billing within our whole Asia General Network.
  • If the code “PNW” is displayed, you can enjoy direct billing within our Asia Panel Network

Where can I find my direct billing list?

You can locate healthcare practitioners from our network on our Easy Claim app. Simply click on the button “Find a doctor” and you will be able to search medical providers by location, name and/or specialty. Tick the box “Direct billing only” to see the medical facilities where you are eligible for direct billing.

Alternatively, you may find your direct billing lists below: 

Are there some expenses or treatments that are not eligible for Direct Billing?

  • Any items that haven’t been prescribed by your attending physician
  • Any items that are not covered by your policy
  • Routine medical examinations or check-ups and vaccinations
  • Physiotherapy (unless pre-approval is granted) and complementary medicine
  • Dental treatments
  • Treatments for pre-existing conditions
  • Treatments for general exclusions
  • Moratorium policies are not eligible for direct billing

Please refer to your direct billing list for the full list of exclusions. 

Other Medical Network Lists 

  • Specified Inpatient Providers

If you selected the option "Specified Providers Only" for your inpatient expenses, you may click here to access your list of providers. Please note that this restriction only applies to your inpatient treatments and that pre-approval is compulsory. 

  • For hospitalisations in the United States

Members who opted for our Worldwide area of cover will be eligible for coverage within our network of partner hospitals: 

  1. Go to omhc.com/April
  2. Select Find a Participating Medical Provider
  3. Enter your home location (zip, city, county, or state) and click Search 
  4. Select Passport to Healthcare Primary PPO Network
  5. Select Hospitals & Facilities, then Hospitals
  6. The list of participating hospitals will be displayed 

Services rendered outside this network will be subject to 40% co-payment. This only applies for Hospital & Surgery care, except in case of emergency. 

Direct billing services will not be provided in the United States.