Yes it does. You may transfer the servicing agent to an active agent

This post has been edited by roystevenung: Apr 7 2019, 05:50 PM

Thanks for your reply. Just to clarify, is the pre and post hospitalization after day care surgery pay first and claim back basis ? Coz the GL would be for the day care surgery only right?Never claimed insurance before so unsure of the regulation and a little worried that will end paying through my nose. Also another question, if the Dr decides to do a scan or any other investigations prior to the surgery would that be covered as well? Surgery= colonoscopy

Yes the pre & post is based on reimbursement basis, pay and claim. Do understand that not everything is covered by the insurance, eg, vitamins/supplements/wrist band etc.

Any investigations prior to the surgery must be medically necessary and it is related to the illness/disability.

Otherwise, its on your own cost. Therefore, do confirm with the Dr.

In any case, once the last follow (post hospitalization) is completed (limited to the 90 days after the surgery), submit all the bills/receipts/invoices/reports for claims considerations. Anything that is claimable will be paid, whilst anything that is not claimable will be deducted from the bill.

Thank you

GO ahead with hospitalization, dont go pre or day surgery. you will have to take the risk of REJECTION on claim which happen often with Prudential. Sometimes they dont even cover doctor reports charges & admission fees.

My list is rather long so I wouldn't want to bother you guys with the reading.

I am a faithful customer since 2005, 14 good years! and this is how they are rewarding their royal customer - by refusing inpatient claims with all sort of funny reason.

One of them?

We don't cover Lorazepam because it is a supplement!

Note: I didn't know panadol is a supplement too! And this is only RM5 out of RM1k++ that they refused to cover.

Hi glovesnsocks1. What is the reason of hospital admission?

Do note that of all insurance claims I sign and fill, prudential is notorious for making excuses NOT to reimburse your treatments.

Always say need this document signed and that report made.

AiA and the rest always 100% claim even for out patient.

Also I have a personal grudge with prudential esp the agent that I purchased my policy form.

Buyers be smart. Do your own research.

Severe psoriasis flare up and also joint pain.

As the intense itch caused sleepness nights I was given Lorazepam to help me sleep.

I was charged RM40 for "Administrative / Registration / Admission / Service / Hospital Ancillary Fees - medical
record", this should be part of the 'admission' so I don't understand why it is not covered.

for your case here, GL is rejected upon hospital admission? did company state the reason why your claim is rejected?

for certain medical cards, fees that are not medical related (in your case administrative fee) is not covered. not all cards from all companies are like that. need to check. another example some cards dont cover medical report fees, but some cover. most importantly your major medical expenses are covered first. for your case i think the inpatient isn't cover like what you said so need to know from company side why it is rejected.

-- a blessing in disguise