Fuhhhh damn nice then no need insurance for whole family dy. I wonder why micare Google rating so low when my experience with them has always been so smooth

Insurance offer up until gazillion dollar coverage

But never tell you how to claim it

Lol I think he meant why the company didn't want to pay when it's just RM19K which is a small amount to them.

I understand why you and the others would misunderstand his statement though since it's worded badly.

Usually because of discrepancies in doctor's write up of patient's condition and care required

Mind to share why insurer reject?

Seems like bone fracture or something. Did the insured play dangerous sports or something?

i think lots of them tried to scam....

but for actual case... getting gl and processing the payment is so smooth.
sometimes payment take the longest..... but in the end still approved.

used it in prince court, gleneagles, pantai ampang, pantai cheras all no issue

or could be a relapse which previously they did not disclose to the insurance when signing up

Thats why, minor case go to GP is more than enough la. U guys keep abusing medical card just for the smallest of accident.

No need to admit to hospital for small case!

Wow 1mil is very high. U C level?

everyone here the same..

gwai lo company

So before we reach the 500k emergency fund, we just need to ensure we won't incur any hefty medical fees kan?

Imagine if 1 minor case is 19k . Multiply that by 1000 cases in a month. U get my point. Alot of these “people” love to abuse medical card just for the smallest of issue. Thats why for them, there is always alot of reject cases.

They think that just because they paid 100 a month for medical card, they deserve to fully maximize its usage every month for every single accident

so many to abuse the medical card, doctor also same perangai..
better force its to co-insurance laa..

Ayam no Dr but 19K "can be outpatient" sounds strange.

Not possible to charge 19K without surgery. I wonder what procedure was done

Cool

go gahmen hospital je

What they mean is he didnt have to masuk hospital and simply spend 19k when it was just a small case. Just go to clinic can settle RM200

The insurer claimed that it was an issue on the hospital side whereby the hospital’s reporting was inconsistent.

this you should blacklist the hospital and remove them from panel hospital list. you don't punish your customer for the exorbitant charges the hospital claim. customer didn't earn money from that 19k or customer that request for the 19k bill

My friend works as Insurance Agent

She told and shows me the statistics of last year(2023) is the highest amount of people that claim and used the medical card.

Those that use Takaful version of insurance, the money pool is greatly affected.

There are many insurance users like to abuse the medical card, hospitals also same like to mark up the cost of hospitalisation, surgery etc.

That's why nowadays in year 2024, insurance companies started to get a little bit stricter on people that want to use the medical card.