My past experience; found a lump on my body and got the diagnosis and before i proceed with any procedure decision, i called ge helpline to know the proper steps if claimable. Their tone changed when they heard of this possible claim and was very unhelpful in giving me information.Gave me as little info as possible and like dont talk to them until i have the bill on hand. Silly me did the procedure at specialist clinic and when i submitted to them they answered no hospitalization no claim. Yet they refused to guide me before i decide where and how to take the procedure. "Do whatever you have to do first, submit the claim and our underwriter will review case accordingly". I terminated my policy soon after that.

"No hospital no claim" quote was only mentioned after I submitted for claim and yes, I already gotten the diagnosis before I called them.

I am not saying the policy is wrong but the customer service should advise accordingly after I had explained everything to them and I did asked if specialist clinic procedure can be claimed. Instead of telling me no hospital no claim upfront, they told me to do what doctor advised and after got the bill, submit for assessment. After I submit only they loudly use the word no hospital no claim. Of course, after terminated and gotten myself a new policy (after waiting period) I made sure to read and ask whatever question I have (provided at that time I was on close term with an agent who explained to me patiently)

And in my recent case with current insurance policy (non-GE) I called and and ask for clarification what and how is non-claimable. I did get my answer straight upfront. I took this example and pasted big big in GE's FB before. Their answer vs the answer from another insurance provider.

Policy are pretty much the same, but the clarification, helpfulness and transparency wise, GE is bad. The only reason i think they don't quote no hospital no claim when I called them first is they don't want me to go to hospital instead which would have been claimable.

I think members here maybe can try to call GE hotline and just tried telling them some situation you have and ask if according to your policy can you claim or no, see if they provide clarification or being vague about it.

This post has been edited by lowlowc: Jun 26 2021, 01:19 PM