Hi. I'm on Allianz power link. I've been asking my agent about procedures for endoscopy so he told me it's claimable if there's diagnosis and required for further treatment. So I asked if I got admitted will the fees be covered and he said most likely.

Today I went to do the scope procedures, only to be told that I'm getting "non guarantee" status and that I'll have to pay myself.
This is because my procedure is investigative in nature, unless it's followed by surgery I won't be able to claim. The agent did ask me to submit all bills to try for claims.

What are the chances of me actually getting reimbursed in this case? Already paid for everything and now I'm broke

Thanks

Yeah I was admitted for 8 hours, just disappointed that my agent couldn't tell me clearly that scopes weren't covered

Thanks for the link, I'm also looking into the possibility if I should change my agent but not sure how to go around it

Feels that way, it's my first time claiming insurance so I'm pretty lost, the total bill was 3.5k

Yeah I will still try to submit, just that if I knew that it wasn't gonna be claimable I could look for cheaper places

No colonscopy, just gastroscopy and some blood test/ultrasound/urine test. But that total included admission, doctor charges and meds all la

Thanks, think I'll submit first and see how things go

1) Went to specialist with referral letter from clinic, ask to do scope
2) Admitted around 9:30AM, my operation (endoscropy) is scheduled at 1PM
3) Nurse asked if I want to do blood test/ultrasound first even though my insurance haven't give approval yet
4) Checked with agent, he said once admitted, blood test/ultrasound are covered - so I proceed
5) Around 12PM, staff told me insurance only give "Non Guarantee" status and that I have to pay myself first. So I contacted my agent and he checked with Allianz. Apparently scope is considered "investigative nature", I can only claim if I'm getting surgery later. I also won't be able to claim if there's nothing found during the procedure.
6) The staff did ask if I still want to proceed, which I did because I was already changed into hospital gown and already came this far (been suffering since May, just want to get it over with).

So yes in a way the agent did inform me that it's not claimable if no surgery, but I still think it's a bit too late.
Then again, gastric problems are most likely healed thru meds/probiotics so anyhow I won't get to claim too even if something was found during the scope, since no surgeries will be involved?

I attach screenshot from the policy what I think is related to my case

Yeah I'm aware of the risk I took, but my question is more on why not inform me earlier?
I actually checked with him a few times before I decided to do the scope, never once did he mention about investigative procedures are not claimable if no surgeries involved.

But yes I'll consider this a lesson learnt

Sorry what's loading? Like additional premium for that part of body?
Buying new insurance plan from any company or the same company?

Thanks for the explanation! Will keep that in mind, hope your condition is okay now

1) The clinic doctor wrote gastritis in the referral letter
2) I signed up last year mid Sept

Ah I see, my scope diagnosis was non-ulcer dyspepsia and doctor gave me some medicines, next appointment in 2 weeks

hi guys, want to ask if having gastric before i signed up for my policy is considered pre-existing condition? insurance company wants to add loading for my policy and exclude anything to do with gastritis. thanks

ouch, hope your friend is doing ok

ok thanks

thanks, wanna ask one more thing, for pre-existing condition, my understanding is that it's either 1) exclude compensation for said condition, or 2) loading to cover said condition

it won't be both exclude + loading? coz their letter states loading + exclusion