Insurance is a two way thing....

You have policy holders that sikit sikit sakit...claim 1k, 2k...and dare I say...certain medical practitioner writes report so that insurance can be claimed....

You have policies that don't cover complete...and certain conditions....hence, just too bad...such coverage are just absurd

Obviously, it's a business model...and they need to "protect" themselves....otherwise it becomes a charity organization.....and no $$ is made.

For the facebook person....

a) check your policy coverage

b) check if company or personal insurance....

c) check what was the hospital diagnose ....sounds like personal accident, and might not be a health insurance consideration....You might be "huh"...but 2 different policies....

d) Insurance "poncy" regarding...increase premium due to inflation, medical cost, blah blah....and since you are regularly "sick"... need to pay more in co-existing , while moving to "newer/better" policies with "better" coverage...same premium....
are all calculated risks...there is NOTHING "better",except the fact....they wish to readjust the price.
It's called moving the "risk pool" of certain age groups....


It is crazy in other countries....and getting more "bad" in SEA region.

while public hospitals are reasonable/affordable... the "time/patience/system" is still fairly lacking ....
It's a sad price when you get into accident or sick...., and that is why....you need to stay healthy.