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LIAM CEO Stunned By Hospital Bill For RM19,000, Minor Hernia Surgery
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mushigen
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 Aug 29 2024, 09:26 AM
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I don't understand why ktarda blame insurance companies instead of hospitals for inflating bills.
You think insurance companies love to pay high bills and then simply charge higher premiums? It's like saying a mamak restaurant can anyhow rent an upscale location, buy expensive ingredients (kena chopped by middlemen) and simply charge RM15 for mee goreng biasa.
I think if they are too strict in approving claims, they risk losing current and future customers. After all, will ktards buy insurance from a company that scrutinises hospital bills 99 and don't give blanket approval easily?
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mushigen
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Aug 29 2024, 10:54 AM
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QUOTE(Minolta @ Aug 29 2024, 10:39 AM) You obviously dont know how it works. If got insurance (even for outpatient coverage), need to apply for GL BEFORE seeing. This process can take 1-2 hours. If lets say during application got issue (limit inadequate, policy expired etc), then they will let the customer know if want to proceed to self pay. If GL issued, then the final bill will go direct to insurance. Customer pays nothing. If no insurance, then no need take trouble apply for anything. Final bill goes straight to customer and he pays before leaving. Hence the nurse will always ask if got insurance or not during registration. Not because the nurse will put different level of charges if got insurance.Are you sure? Personal experiences: for endoscopy, pay myself vs claim insurance and the expected amounts would be very different. |
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mushigen
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Aug 29 2024, 01:00 PM
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QUOTE(Minolta @ Aug 29 2024, 11:06 AM) I am replying in the context of why nurse ask for insurance or not during his outpatient consult with a specialist. To apply for GL. That is standard. Everytime i see my gastroenterologist, i have to get a GL. Go earlier, register, apply GL then get breakfast while waiting. Once GL approved, i can see. If my limit burst, i will wait till next year’s outpatient limit refresh, then see. If you answer no, you will incur lower bill. If you answer yes, you will incur higher bill. It's related. In addition to asking you in order to get the GL, you will also get extra bill. |
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