i feel sorry for what u have been going through with aia insurance.im also coverd by aia since 2001 and never claim before (thank goodness im healthy as ever).
your bad experience i shall take note/aware of if something similar happen to me in the future, lucky i have company insurance also (ING).Last 2 years i go to clinic the doc said i have something like fungus under my armpit have to follow-up SJMC then i call ING they say not cover because its under facial treatmen when i told the doc what happen she was shock "armpit under facial treatmen??"