Hey guys, I'm very new to this and have a few questions to ask.

Some background info: I have an insurance plan that is an "Investment Linked Policy" by Great Eastern Life called "SmartProtect Essential 2". As my mother was the one to secure this for me, I am unsure as to what degree this insurance covers me. The agent that sold this to her is her friend and is chinese-speaking and I am unable to communicate my questions.

Situation: I have a lump that I have found that I would like to get checked out. But seeing as I am very new to all this, I am unsure how to go about this process or if it is even covered by this particular insurance. The condition is suspected to be a sebaceous cyst but I have not seen a doctor about this as of yet as I am unsure how and where the insurance steps in. I am also concerned as I have been told over the phone that this policy only covers "36 critical illnesses" and offers no coverage on "early detection". This worries me.

Questions:
1. Is it possible for process of diagnosis to be covered by this insurance? I'm afraid to be stuck with a preliminary bill prior to actual treatment. Any experienced people, kindly advice.

2. If it is not possible to have the process of the diagnosis covered by the insurance, how do I go about this? Is it possible to go to a GP in say, a small clinic, and then continue onto one of the "Panel of Hospitals"? If the process of diagnosis is not covered, I would like to minimize the costs as much as possible prior to actual hospital admission.

3. What are the necessary information I would need to obtain from the diagnosis phase to progress onto the admission/treatment phase? Which ones will have involvement of the insurance company?

Apologies if these are silly questions to some of you. I am very new to this and the entire process has been such a blur to me. Hopefully some of you will be able to help shed some light and guide me.

Thank you for the answers @lifebalance, @KLlang, @ckdenion. This has been a bit reassuring for me since the entire process can feel intimidating. Will update when I get further information.