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 Pelanggan kecewa AIA Insurance menipu

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Boomwick
post Jul 24 2024, 11:07 AM

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QUOTE(WaCKy-Angel @ Jul 24 2024, 11:04 AM)
Wait MRI cheaper than CT meh?

Angio quite cheap where?
*
My one is from pantai hospital pricing la..
All 3 pantai i visited..
All this scan done before except CTA... but i got get quotation.

But this one macam not yet include doctor radiographer reading intepretation.. or maybe included.. i forgot already..
zuozi
post Jul 24 2024, 11:09 AM

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QUOTE(WaCKy-Angel @ Jul 24 2024, 11:04 AM)
Wait MRI cheaper than CT meh?

Angio quite cheap where?
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if i remember correctly gleneagle tak lah CT scan machine .
SUSClowninja
post Jul 24 2024, 11:10 AM

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QUOTE(WaCKy-Angel @ Jul 24 2024, 11:04 AM)
Why physio need to admit though? Unless u cant move?

U did that 2 years? What Dr wrote reason for admission?
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>why physio need to admit
Like i said, the condition of medical bills to be claimed by insurance is to be admitted to the hospital for a day. That is THE CONDITION.

>u did that 2 years?
I meant my scoliosis case was 2 years ago. After discharged, i'm no longer involved with medical treatment, and now work as IT deskjob as a resolved and advice from doctor to refrain me from working that involves physical effort ever. That was 2 years ago case.

>what dr wrote reason for admission?
whatever he has to say and write to get me admitted so that
1 - AIA wont lose a loyal customer like me
2 - Hospital wont get a bad rep from me.
Aaron212
post Jul 24 2024, 11:12 AM

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QUOTE(WaCKy-Angel @ Jul 24 2024, 06:48 AM)
https://www.altimadental.com/5-common-types...dental-surgery/

Idk sounds like considered surgery to me.
Ok lah lazy to argue already...
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.
*
im a registered dentist here in MY

it is not a surgery

and dont quote source from self made blog/website

aiyo itu pon mau ajar
degraw19
post Jul 24 2024, 11:17 AM

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QUOTE(Aaron212 @ Jul 24 2024, 11:12 AM)
im a registered dentist here in MY

it is not a surgery

and dont quote source from self made blog/website

aiyo itu pon mau ajar
*
ce tgk sikit betul ke tak

owaiiiii



Aaron212
post Jul 24 2024, 11:20 AM

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QUOTE(degraw19 @ Jul 24 2024, 07:17 AM)
ce tgk sikit betul ke tak

owaiiiii
*
tak mau

dentist low dignity n worst than toilet janitor

just want to make facts right
hoonanoo
post Jul 24 2024, 11:24 AM

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QUOTE(Irzani @ Jul 24 2024, 01:39 AM)
ni yang seram nak ambil insurans
*
I hear many nightmare story, GL accepted...

then suddenly insurance co come back and reject certain claim

for eg if you have medical GL

A- 10,000
b- 5,000
C- 25,000
D- 40,000

GL accepted for A-D. Hopital staff say can proceed. Relative all felt relief no need to pay.

After u discharge, u feel ok feel good, 4 months later, hospital call you ask to pay D- 40,000 because insurance rejected.

Babi betul.

This post has been edited by hoonanoo: Jul 24 2024, 11:24 AM
degraw19
post Jul 24 2024, 11:24 AM

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QUOTE(Aaron212 @ Jul 24 2024, 11:20 AM)
tak mau

dentist low dignity n worst than toilet janitor

just want to make facts  right
*
ok u do u bero

laugh.gif laugh.gif

This post has been edited by degraw19: Jul 24 2024, 11:24 AM
Aaron212
post Jul 24 2024, 11:35 AM

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QUOTE(degraw19 @ Jul 24 2024, 07:24 AM)
ok u do u bero

laugh.gif laugh.gif
*
not i do me

can u accept it

haiyoooo

ktard ego so big 1
degraw19
post Jul 24 2024, 11:37 AM

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QUOTE(Aaron212 @ Jul 24 2024, 11:35 AM)
not i do me

can u accept it

haiyoooo

ktard ego so big 1
*
u say liddat one then up to u lor

laugh.gif laugh.gif
Epci
post Jul 24 2024, 11:39 AM

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QUOTE(hoonanoo @ Jul 24 2024, 11:24 AM)
I hear many nightmare story, GL accepted...

then suddenly insurance co come back and reject certain claim

for eg if you have medical GL

A- 10,000
b- 5,000
C- 25,000
D- 40,000

GL accepted for A-D. Hopital staff say can proceed. Relative all felt relief no need to pay.

After u discharge, u feel ok feel good, 4 months later, hospital call you ask to pay D- 40,000 because insurance rejected.

Babi betul.
*
Boleh file aduan kepada BNM
hoonanoo
post Jul 24 2024, 11:45 AM

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QUOTE(Epci @ Jul 24 2024, 11:39 AM)
Boleh file aduan kepada BNM
*
hehehehe good point
WaCKy-Angel
post Jul 24 2024, 11:50 AM

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QUOTE(Aaron212 @ Jul 24 2024, 11:12 AM)
im a registered dentist here in MY

it is not a surgery

and dont quote source from self made blog/website

aiyo itu pon mau ajar
*
Clinic where? Got discounts for ktards?
lerijiso
post Jul 24 2024, 11:53 AM

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QUOTE(WaCKy-Angel @ Jul 24 2024, 09:27 AM)
Not possible. Simple warding even 10 days wont costs 19K.
The most expensive thing (excluded surgery) is MRI imaging but if bone fracture should just need x-ray that is not expensive.
*
You would be surprised if you see the itemised bill if you're on a medical card.

I was warded last month for 3-4 days for food poisoning. Total Bill amount to almost rm7k.

Room and board for a 4 bedded room is RM110 per day (cheapest). Single bedded room can be up to RM400++ per day.

The only expensive procedures for mine were blood tests and ultrasound. The rest are just normal BP/Temperature checking every 3-4 hours, administer drips/medicines etc. Which they will charge every single time, every piece of alcohol swabs, every piece of ear probe they need to change while checking your temps, nothing is free.

Everytime doctor visits you in ward, they will charge you consultation charge of RM100++ per visit, even though its just to talk to you for less than a minute. If they come in and check on you while you're asleep, they will charge too cos its considered a visit. Weekend/Public Holiday visits, will charge you 1.5x normal rate. Imagine doctor come and check on you 3 times a day for 10 days.

You should see how they charge some of the meds, by tablets. One capsule/tablet is equivalent price to one TAB/BOX if you buy outside. Even the small plastic cup to put the meds in while they hand the meds to you they will charge.

Plus all the miscellaneous charges, use of equipment charges, every single time they change your bed sheets etc

So, RM19k for 10 days, its pretty normal. Could've been worse.
cms
post Jul 24 2024, 11:56 AM

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QUOTE(lerijiso @ Jul 24 2024, 11:53 AM)
You would be surprised if you see the itemised bill if you're on a medical card.

I was warded last month for 3-4 days for food poisoning. Total Bill amount to almost rm7k.

Room and board for a 4 bedded room is RM110 per day (cheapest). Single bedded room can be up to RM400++ per day.

The only expensive procedures for mine were blood tests and ultrasound. The rest are just normal BP/Temperature checking every 3-4 hours, administer drips/medicines etc. Which they will charge every single time, every piece of alcohol swabs, every piece of ear probe they need to change while checking your temps, nothing is free.

Everytime doctor visits you in ward, they will charge you consultation charge of RM100++ per visit, even though its just to talk to you for less than a minute. If they come in and check on you while you're asleep, they will charge too cos its considered a visit. Weekend/Public Holiday visits, will charge you 1.5x normal rate. Imagine doctor come and check on you 3 times a day for 10 days.

You should see how they charge some of the meds, by tablets. One capsule/tablet is equivalent price to one TAB/BOX if you buy outside. Even the small plastic cup to put the meds in while they hand the meds to you they will charge.

Plus all the miscellaneous charges, use of equipment charges, every single time they change your bed sheets etc

So, RM19k for 10 days, its pretty normal. Could've been worse.
*
The specialist say good morning already cot RM 150 liao. hahahahaa

The icre-cream stick to push your tongue cost RM10-15.

This post has been edited by cms: Jul 24 2024, 11:57 AM
Boomwick
post Jul 24 2024, 12:00 PM

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QUOTE(WaCKy-Angel @ Jul 24 2024, 09:27 AM)
Not possible. Simple warding even 10 days wont costs 19K.
The most expensive thing (excluded surgery) is MRI imaging but if bone fracture should just need x-ray that is not expensive.
Very normal. This is where agent comes in play. A good agent will help u to deal between hospital and insurer.
Bad one will MIA.
*
Never ever look down on bone fracture, especially if it involve a joint.. knee ankle elbow and stuff..

X ray can see fracture only, but there is much more than that..
If it involve joint, there are ligament, cartilage, miniscus, tendon and all kind of stuff.. some fracture will not only effect bone, but tendon and ligament tear..

Xray cannot see those. u need mri..
And ligament tendon dont repair properluly without surgery. U will fee loose joint forever in your lifetime until u do a surgical repair.

I am telling from experience of a futball ankle injury delay 8 9 yrs, tendon all heal very cacat.. ligament also wont get well much.. always inflammed
30624770
post Jul 24 2024, 12:25 PM

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QUOTE(jack2 @ Jul 24 2024, 11:56 AM)
So in conclusion, which insurance co is the best and won't "giao" like this ?

Manulife? Allianz?
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There’s no best insurance companies when it comes to claims. You think Manulife and Allianz won’t reject claims? They are all the same and if you see the people in their claims department, it’s usually the same people in the industry. They just move to other insurance companies.

The biggest problem today is the rising insurance costs and insurance companies has been more strict when it comes to claims as it will hit their profits and if uncontrolled it will cause medical insurance cost to rise even more and it will affect everyone and not only insurance companies.

The most important is you must know what you’re signing for and don’t leave everything to the agents. Most important is scrutinise your policy kao kao and ask your agent kao kao. You’re already paying your agents and they should work for you.




jack2
post Jul 24 2024, 12:37 PM

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QUOTE(30624770 @ Jul 24 2024, 12:25 PM)
There’s no best insurance companies when it comes to claims. You think Manulife and Allianz won’t reject claims? They are all the same and if you see the people in their claims department, it’s usually the same people in the industry. They just move to other insurance companies.

The biggest problem today is the rising insurance costs and insurance companies has been more strict when it comes to claims as it will hit their profits and if uncontrolled it will cause medical insurance cost to rise even more and it will affect everyone and not only insurance companies.

The most important is you must know what you’re signing for and don’t leave everything to the agents. Most important is scrutinise your policy kao kao and ask your agent kao kao. You’re already paying your agents and they should work for you.
*
Yes, you are right.
JimbeamofNRT
post Jul 24 2024, 12:43 PM

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QUOTE(Aaron212 @ Jul 24 2024, 11:12 AM)
im a registered dentist here in MY

it is not a surgery

and dont quote source from self made blog/website

aiyo itu pon mau ajar
*
got good price for PH resident bro? cool2.gif
sky2006
post Jul 24 2024, 12:44 PM

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Imagine if he saved all the money in bank account instead of paying for medical insurance, in 5 years he probably would have had RM20,000 to RM30,000 or more in cash, could quickly and easily pay for the medical fee.
Insurance industry really smells like a scam.

This post has been edited by sky2006: Jul 24 2024, 12:45 PM

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