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 Insurance Talk V6!, Everything about Insurance

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0601430
post Jun 11 2020, 05:46 PM

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medical card insurance, usually take how long to process "pay and claim"?
0601430
post Jun 12 2020, 04:32 PM

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QUOTE(lifebalance @ Jun 11 2020, 05:47 PM)
Within 3 days if it's verified
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QUOTE(ckdenion @ Jun 11 2020, 05:59 PM)
once you submitted all the documents, it takes averagely 3 working days to process. once processing is done (claims approved), it takes averagely 5 working days for the money to be credited to bank account
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hmm strange but my case, 3months now still no result yet until today.

4th March - Submit all documents for claims
24th March - Ask for status, they replied currently under processing, when I ask what is the average time to process a claim, she reply me to give them 5 working days to process... ok I give them another 5 working days
2nd April - still no result or reply, I send in another email to ask the status... this time, she tells me that she forward my enquiry to department in charge, and said "if you not hear from us within 5 working days, please reply to this email", What the...................
6th April - Finally got reply on 6th April, asking for additional documents, one of it need letter from HR... MCO, all office closed, delayed
19th May - all additional documents ready, submit to insurance
28th May - Send email ask for claim status, auto acknowledgement said 5 working days to reply my email, but no reply
2nd June - Send another email ask for claim status, auto acknowledgment said 5 working days to reply, but also no reply
10th June - Send another email with all capital letter, only they reply my 28th May email. this time they reply to give them 7 working days, What the...... talk like I juz submit documents yesterday

until today, no reply at all... you said 3 days to know the result, in my case, already more than 3mths not yet know the result zzzz
0601430
post Jun 12 2020, 04:41 PM

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QUOTE(lifebalance @ Jun 12 2020, 04:35 PM)
And did your agent do anything for you to find out?

Another suggestion is to walk in branch to find out what's causing the delay
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yes, my agent got call the customer service line to ask also, and they hold his call on line for 2hours

the claim all is centralized in KL HQ right? i think if i go branch here also no use, waste of time coz they are not the one to process the claim... correct me if i were wrong

Edit: today my agent call twice to the customer service, same answer given, still in process, and ask to expedite the process

This post has been edited by 0601430: Jun 12 2020, 05:09 PM
0601430
post Jun 15 2020, 02:44 PM

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QUOTE(rapple @ Jun 13 2020, 11:17 AM)
When you submitted a claim, your agent supposed to received an email and also any request for more documentation. And you dont need to submit claim yourself since you paid him commission.

your agent is not doing his work.

I submitted my claim on 19th Feb and did all the follow up myselves. And get the payment back in March.

The only thing I dont like is insurance company is sending us normal post letter to request additional document but send email to the agent.
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Actually it was my agent help me submit all my documents thru online, i gave him all my docs on 3rd March, the next day he help me submit all the docs, he even screenshot the submission and send to me in whatsapp... i login online check and it is really submitted...

even the day the insurance reply for additional documents, he directly call me bout it on the day he received the notice... i guess my agent is really do his job... just that the insurance company process my claim is not

QUOTE(ckdenion @ Jun 13 2020, 10:16 PM)
indeed strange. i have a client who submitted her claims during the MCO (it did take longer than usual but not as long as yours) and the claims was approved and credited already. somemore yours is submitted before the MCO, can you login to your eConnect and see whether you can check the claims status?
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yea strange right? i send email last friday to ask bout the status again, as at today 2.30pm, no reply

lucky your client's claims go thru without problem... i got user online, but there is no where to see the claim status, only wait for online letter notification...

i use credit card to pay my medical fee, now enter the 3rd month, i paid the interest almost 2k, pay for free, pay for nothing... too bad, couldnt claim the interest with the insurance due to their slow in process the claims...
0601430
post Jun 15 2020, 02:55 PM

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QUOTE(lifebalance @ Jun 15 2020, 02:49 PM)
wink.gif would suggest that you write a complaint on the delay and see what they say.
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any suggestion where to complain? all this while i send asking status and "angry" email to their customer service email, but it seems like no use also

This post has been edited by 0601430: Jun 15 2020, 02:57 PM
0601430
post Jun 17 2020, 05:18 PM

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QUOTE(ckdenion @ Jun 15 2020, 09:23 PM)
ok, what's the latest update as of this few days? agent got a careline to call (even though still need to wait but not as bad as customer careline) and can ask for the current status. just follow up. hope to hear from your good news soon. I believed you did try your best to clear your credit card bill. normally i will advise my client to prepare spare cash fund for emergency cases like this.
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I check online the status still pending... my agent also everyday help me call to customer careline, still answer given is the same... a bit fed up

I do save some but the medical bill is more than what I have saved, terpaksa use cc to top up the short

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