Hello All

Would like to see if anyone has experience on Hospitalisation claims via insurance?

Company hospitalisation max is rm50k
Personal hospitalisation is way moreeee

Current situation:

Have been seeing specialist and doctor using company AIA, most probably will need to go for operation. If the cost of operation exceed rm50k that covers by company AIA, is it possible for me to utilise my personal insurance coverage (GE) to pay for the remaining cost?

I know is do-able, but GE insurance agent advise to self-pay  the remaining cost then submit claim to GE.

Is there a way for exmaple for me to request GL via GE so that automatically GE will covers whatever remaining cost from the operation?

We all know, paying from own pocket first and claim, might take long to get money back from insurance company

But how to get the documents? Coz usually if GL usually during discharge just provide discharge summary and bill summary.
Insurer sure wants other documents.