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 Pelanggan kecewa AIA Insurance menipu

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nearlee
post Jul 24 2024, 10:41 AM

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>inb4 kalo x tipu bukan .....
owai- topkek
Nearlee

SUSClowninja
post Jul 24 2024, 10:43 AM

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QUOTE(degraw19 @ Jul 24 2024, 10:25 AM)
how old are u now? means the specialist advise u to do surgery?
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at that time i was 28

>surgery?
no, physiotherapy are pretty much treatment by massage or exercise. In my case, i laid on prone position, they lay on your hot towel, freeze cold large ice packs or electric pulsing.
WaCKy-Angel
post Jul 24 2024, 10:48 AM

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QUOTE(Aaron212 @ Jul 24 2024, 10:35 AM)
crown is not surgery

can be done directly chairside

no surgery involve also got need to enter OT

OT doesnt mean die die surgery
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https://www.altimadental.com/5-common-types...dental-surgery/

Idk sounds like considered surgery to me.
Ok lah lazy to argue already...


QUOTE(Clowninja @ Jul 24 2024, 10:38 AM)
>carrying heavy stuffs
well mate, that is how i was diagnosed and the cause of it. To make it simple, i worked as dealing with heavy stuffs, day in night out, physical exhaustion for 4 years. I quitted, worked at forklift factory next, got lower back pain not because of heavy stuff, but flexing my body to reach to certain point, putting my body at my limit (also i quitted after my case and worked at IT deskjob from now on).

The pain, i would say bearable but at one point you cant handle for one day and you just need a day off lay down on bed throughout the day. And so i thought, why not i just claim MC with backpain? So i did, but my doctor suggested me to go check xray with his letter permission, so i went, prayers and thoughts it can go on 2 ways

1 - there's nothing concerning about my backpain and i just pulled a trollface
2 - there's actually a backpain and i must be diagnosed with MRI in case of scoliosis

Lord and behold i got the latter, the followup was i went to private hospital that was recommended by my parents. Procedures :
1 - Counter check in, say you got this and that, show proof (my xray result)
2 - Show insurance medical card (i find this to be essential to have one)
3 - To what my parents said, said by our insurance agent, AIA covers all medical bills if you admitted to hospital (stay in the hospital at least 1 night)

After that, you just have to wait for them to contact AIA, get approval and then wait for vacant room for your admission. Everything else were just doctor followups until you get discharged, all paid by insurance.
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I did went for X-ray required by Chiropractor but after checking no mention of scoliosis.
After many chiro sessions the Dr says its the muscles holding the spine injured and not strong anymore.

Maybe i will go hospital for checking. Atleast can claim company insurance for outpatient specialist if cant claim medical card.
degraw19
post Jul 24 2024, 10:48 AM

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QUOTE(Clowninja @ Jul 24 2024, 10:43 AM)
at that time i was 28

>surgery?
no, physiotherapy are pretty much treatment by massage or exercise. In my case, i laid on prone position, they lay on your hot towel, freeze cold large ice packs or electric pulsing.
*
read your replies earlier above on how u got had u ever went into any chiropractic before?

afaik those chiropractic are well known for dealing scoliosis though i heard some of it are scam also
jack2
post Jul 24 2024, 10:50 AM

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memang insurance scam la..

the last para stated is good.

Kita semua bersusah payah bayar premium dan bila ada hal buat claim... sudah bertukar...
jack2
post Jul 24 2024, 10:52 AM

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QUOTE(RT8081 @ Jul 24 2024, 10:01 AM)
user posted image

so it is the hospital's fault. anyway allianz is the best, better than AIA
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I don't think is hospital's fault. Why AIA didn't tell everything in the first place and until victim viral the case, then only they responsed.

U KNOW I KNOW...habislah AIA
cursetheroad01
post Jul 24 2024, 10:53 AM

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Kekwa malaysians
Rather throw money at insurance companies that is known to fuck over the patients and the healthcare system instead of throw money at the already established public healthcare system.

Already know how public healthcare dont get enough resources to work properly, yet still dont want to ask for increase in annual healthcare budget.
Bila servis teruk due to that lack of resources in the first place (siapa la yang kedekut sangat?), sibuk nak surprised pikachu salahkan staff nurse, salahkan doktor.

Tak payah nak solely blame KKM and SPA for mismanagement. Rakyat pun sama bodo.
WaCKy-Angel
post Jul 24 2024, 10:54 AM

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QUOTE(cursetheroad01 @ Jul 24 2024, 10:53 AM)
Kekwa malaysians
Rather throw money at insurance companies that is known to fuck over the patients and the healthcare system instead of throw money at the already established public healthcare system.

Already know how public healthcare dont get enough resources to work properly, yet still dont want to ask for increase in annual healthcare budget.
Bila servis teruk due to that lack of resources in the first place (siapa la yang kedekut sangat?), sibuk nak surprised pikachu salahkan staff nurse, salahkan doktor.

Tak payah nak solely blame KKM and SPA for mismanagement. Rakyat pun sama bodo.
*
Donasi ke certain country more important.

#sugarpointisreal
jack2
post Jul 24 2024, 10:56 AM

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So in conclusion, which insurance co is the best and won't "giao" like this ?

Manulife? Allianz?
SUSClowninja
post Jul 24 2024, 10:57 AM

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QUOTE(degraw19 @ Jul 24 2024, 10:48 AM)
read your replies earlier above on how u got had u ever went into any chiropractic before?

afaik those chiropractic are well known for dealing scoliosis though i heard some of it are scam also
*
no, why would i go to chiropractic? Even the case of insurance scam like AIA here, at least this can be dealt with higher ups and laws.

but chiropractic? You are dealing with a person with no guaranteed it can work on you or not, you paid for it, cash with no refunds.

as of right now, after 2 years of my deskjob, i can still go to private hospital right now, get admitted for 1 night, and say i want to do physiotherapy, show my medical card, all of this will be claimed.
degraw19
post Jul 24 2024, 10:59 AM

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QUOTE(Clowninja @ Jul 24 2024, 10:57 AM)
no, why would i go to chiropractic? Even the case of insurance scam like AIA here, at least this can be dealt with higher ups and laws.

but chiropractic? You are dealing with a person with no guaranteed it can work on you or not, you paid for it, cash with no refunds.

as of right now, after 2 years of my deskjob, i can still go to private hospital right now, get admitted for 1 night, and say i want to do physiotherapy, show my medical card, all of this will be claimed.
*
so are u still having these back pain nowdays? every month need to go physiotherapist?
zuozi
post Jul 24 2024, 11:00 AM

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QUOTE(cms @ Jul 24 2024, 10:38 AM)
Nowadays their modus operandi is scan and test until beribu-ribu man.
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I forgot apa scan i think CT scan and MRI scan and x-ray dah RM 5k on insurance bill
Boomwick
post Jul 24 2024, 11:01 AM

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QUOTE(jack2 @ Jul 24 2024, 10:56 AM)
So in conclusion, which insurance co is the best and won't "giao" like this ?

Manulife? Allianz?
*
Allianz ok.. tiptop perfect
SUSClowninja
post Jul 24 2024, 11:01 AM

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QUOTE(degraw19 @ Jul 24 2024, 10:59 AM)
so are u still having these back pain nowdays? every month need to go physiotherapist?
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nowadays, no. But again, advisable to get up and stretch after hours of sitting down. Which is what i have been doing throughout this job.
Boomwick
post Jul 24 2024, 11:01 AM

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QUOTE(zuozi @ Jul 24 2024, 11:00 AM)
I forgot apa scan i think CT scan and MRI scan and x-ray dah RM 5k on insurance bill
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Ct scan 2 to 2.5k+
Cta (angio) 3 to 3.5k

Mri 1200 to 1400

This post has been edited by Boomwick: Jul 24 2024, 11:03 AM
jack2
post Jul 24 2024, 11:03 AM

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QUOTE(Boomwick @ Jul 24 2024, 11:01 AM)
Allianz ok.. tiptop perfect
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oh yakah?

how about GE and Prudential?
zuozi
post Jul 24 2024, 11:03 AM

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QUOTE(Boomwick @ Jul 24 2024, 11:01 AM)
Ct scan 2.5k+
Cta (angio) 3 to 3.5k

Mri 1200 to 1400
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You work in private hospitals? why you know pricing 😂
giftfre
post Jul 24 2024, 11:03 AM

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Insurance adalah biz yg similar like gamble sebab dia accept wang awak supaya awak tidak masuk ke wad. Kalau awak masuk wad then dia kalah dan kena bayar balik.
WaCKy-Angel
post Jul 24 2024, 11:04 AM

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QUOTE(Clowninja @ Jul 24 2024, 10:57 AM)
no, why would i go to chiropractic? Even the case of insurance scam like AIA here, at least this can be dealt with higher ups and laws.

but chiropractic? You are dealing with a person with no guaranteed it can work on you or not, you paid for it, cash with no refunds.

as of right now, after 2 years of my deskjob, i can still go to private hospital right now, get admitted for 1 night, and say i want to do physiotherapy, show my medical card, all of this will be claimed.
*
Why physio need to admit though? Unless u cant move?

U did that 2 years? What Dr wrote reason for admission?
WaCKy-Angel
post Jul 24 2024, 11:04 AM

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QUOTE(Boomwick @ Jul 24 2024, 11:01 AM)
Ct scan 2 to 2.5k+
Cta (angio) 3 to 3.5k

Mri 1200 to 1400
*
Wait MRI cheaper than CT meh?

Angio quite cheap where?

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