Medical card cannot claim if admit hospital without operation ?

Prudential agent can clarify ?

Cyst problem causing pain but doctor say no need operation.

This post has been edited by joey2000: Jan 15 2023, 01:53 PM

Go ask your agent deal for you la wtf. Of coz can claim if admitted

Claim your company staff medical insurance first.

Well since if the card tnc stated need operate only can claim then cincai ask doctor cut any parts out

The agent said got clause stated if no operation, cannot claim.

Baru ambil semalam, today admit?

The patient is jobless.

Few years policy.

Then suppose can la.. for pain management.. ovarian cyst?
Maybe u just got shitty agent..
GL not approve? Or that illness is existing illness prior from the date of policy?

Ask agent to show clause that say no operation cannot claim.

What the clause will usually say is if admitted to hospital for screening but no treatment then cannot claim.

You need to find the clause that the insurance company rejects your claim. Then talk to your doctor to see if he can write a report to say otherwise.

E.g. If insurance company say no treatment done during hospitalisation - then get the doctor to write a report that treatment was done but no operation was required, may using non-invasive treatment, by using medication, etc.

If the specific clause is some disease that the only logical/available treatment is surgical, then you're out of luck, because there are no treatment done without operation.

Try ask doctor there

...

This post has been edited by RiriRuruRara: Jan 15 2023, 02:07 PM

Already admitted, bill for 1 night is around 5k, and patient is jobless.

No GL because admitted at night. Not exist prior policy.

Painful only admitted hospital, not a screening. Don't know how the doctor write.

So scary after hearing that, sound like you must be very serious only can claim.

This post has been edited by joey2000: Jan 15 2023, 02:15 PM

Medical card suppose to be hassle free admission. Of course got limits, but generally should be usable.

Makes me worried..

Last time I use Zurich, few years ago.. no problem getting admitted.

Had to terminate because annual limit extremely low 50k.

Then I changed to Allianz.. so far haven't claim, but paying for 6 years already. This one expensive, because investment linked. I'll be frustrated if cannot claim. Agent also not responding anymore when want to ask stuff.

Not sure prubsn got this function or not but as far as i’m using etiqa, pmcare & aia, all having the function customer can request for GL by themselves
Which way faster than agent or hospital request it for u
That’s what i do now everytime go for antenatal checkup for my wife.
The SOP is easy, go seek referral letter from any gp clinic then upload the letter. For the next visit, just use the appointment date letter/text to request for the GL
In TS, something fishy bout it
As long as u admitted, usually confirm boleh claim

This post has been edited by AyamBannedTwice: Jan 15 2023, 02:18 PM

stay 1 night, can claim

if need operation only can claim
isn't that call medical insurance?

if medical card, even admit also can claim lah....WTF kind of medical "card" cannot claim if admit only

P/S : it's call "HOSPITALISATION"

This post has been edited by MR_alien: Jan 15 2023, 02:19 PM

Tell the doctor u want claim insurance.

They can hike up whatever issues and make claims possible.

Ask the admissions get GL.

Inb4 tak baca tnc

so it's not you la.. all heard from "friends"

Many outpatient can’t claim.

That’s why company insurance comes handy. For all outpatient claim lol