I understand Felix. Even the GE Officer mentioned the same thing, tat only the GL is declined, and not the claim. He even asked me to pay first and submit the bills for claim.

But is that why we are taking I insurance policy in the first place? I know I take medical insurance for my mother so that incase of emergency like this, she could get admitted in the hospital with no payment or minimal payment. Tat is the reason we are paying the premium. And tat is the attractive feature that all insurance agent mention to client, that when emergency happens, you might no have the money, and which is way medical card is important. My agent gave me the same crap as this and I bought it.

We are paying the premium not because we want the reimbursement, but we want coverage from the beginning of the admission. If reimbursement is wat insurance offer, I believe nobody will take insurance policy.

And the worst part is, they couldn't even give me a proper reason. My mother do not have a medical record related to Colotis, which I know for a fact, and the doctor also mentioned in the diagnosis form, that she I her professional opinion thinks that this is not a pre-existing illness. But the insurance keep giving the pre-existing illness shit and other stupid excuses.

I mean if they suspect this is a pre-existing illness or wat, investigate laa.. I don't stop them. But do it fast in a day it two like tat, not 2 or 3 months for god sake. Stupid insurance. Doesn't really care about their client.