Oct 29 2009, 10:35 PM
QUOTE(sily22 @ May 21 2008, 04:45 PM)
Thanks for the concern. I think the most important thing is having a GOOD insurance AGENT.
The problem here is why other insurance company can cover and mine cant. i paid my insurance monthly and it is still active. The reason the decline this claim is they say it fall under the category of pregnancy and maternity. This is nonsense.
I read the policy. I agree with the requirement pay up-front when admitted to hospital, that is the reason why we ask AIA to issue Guarantee Letter so that You dont need to pay up-front. Even if pay up-front first also they will issue ghe GL. The point here is that they decline this claim. After I make complaint then only they twist the word say they want me to pay the whole surgery first in cash then only claim later. But they cant assure me it is claimable or not. The doc very sure this surgery is claimable only ask me to proceed with it. He has many years experience with it. This is a very common and minor surgery according to him.
We really need to Beware with all the INSURANCE company. They are very good at beating around the bush.
At the end of the day, your doctor can say anything, but he does not know what insurance contract it is you signed with your insurance company. The problem here is why other insurance company can cover and mine cant. i paid my insurance monthly and it is still active. The reason the decline this claim is they say it fall under the category of pregnancy and maternity. This is nonsense.
I read the policy. I agree with the requirement pay up-front when admitted to hospital, that is the reason why we ask AIA to issue Guarantee Letter so that You dont need to pay up-front. Even if pay up-front first also they will issue ghe GL. The point here is that they decline this claim. After I make complaint then only they twist the word say they want me to pay the whole surgery first in cash then only claim later. But they cant assure me it is claimable or not. The doc very sure this surgery is claimable only ask me to proceed with it. He has many years experience with it. This is a very common and minor surgery according to him.
We really need to Beware with all the INSURANCE company. They are very good at beating around the bush.
As far as I know standard hospitalisation insurance do not cover maternity/pregnancy. Anyone who tells you it does is BS. Why? Because it is a planned event. Insurance is about protecting unforeseen risks. If pregnancy can cover for hospitalization then every potential mother will sign up a medical plan before they want to get pregnant cuz they know they plan to claim 9 mths later! But you can claim if you have bought a plan that specifically covers female problems that include pregnancy complications. Always look into your contract and know what it is you really signed up for. A good agent will be able to go through it with you. And one that will keep in touch or accessible to advice you well. Most often ppl forget what they buy (even though it is explained, but later forget and jump about when there is a problem).
If you have been misinformed by your agent, or customer service, do make your complaint to the HQ, who can then trace the person (always take their name down) to be reprimanded and/or retrained. The company can then also look into the matter and fix it. There can be many reasons why you couldnt claim, some valid, some not valid, and some borderline cases. Complaining like that without knowing the details and make worse recommendations in comparing AIA medical to IHM only confuses the public. For the very fact that IHM medical is non-guaranteed-renewal, makes it a lesser insurance contract, and therefore cheaper.
What the public need to know is how to be a wiser consumer, and not be confused further by unspecific/vague complaints and bad recommendations based on knee-jerk reactions.
Added on October 29, 2009, 10:44 pm
QUOTE(4lenAngel @ Jun 19 2009, 10:02 AM)
Well as i heard if ur holding ING or AIA and u got admitted u still have to pay deposit upfront b4 get admitted... Yes it means u pay all the expenses of ur medical and then claim back from ur insurance company..
But not all the companies practicing that..
Like Prudential with their PruLink policy n Great Eastern are for more better.
I was admitted to the hospital..but my the company i work for bear all the charges.. and i am a Prudential PruLink Policy Holder.I informed my agent that i was admitted and also told him that my company will pay for the medical.. but still he came n visited me n see the doctor to get the reports.. 1 week after that he handed me over a cheque.
I asked why is that ??
He said even im still entitle for my hospitalization.. according to my policy
Which Room - RM200 / day
Surgery - Up to rm 7k claim / unit( depends where is the surgery) ( i got 3 units)
so i was admitted for 4 days and surgery for dialysis
wow i still have some cash for spend.. hehe
Actually, pru's co-insurance starts from 0..i think with a minimumRM300. means every time you admitted, you will have to pay minimumRM300 or 10%. For AIA (I've done a comparison and seen my mum use AIA for a hospital procedure), just get the guaranteed letter and you don't have to pay deposit.But not all the companies practicing that..
Like Prudential with their PruLink policy n Great Eastern are for more better.
I was admitted to the hospital..but my the company i work for bear all the charges.. and i am a Prudential PruLink Policy Holder.I informed my agent that i was admitted and also told him that my company will pay for the medical.. but still he came n visited me n see the doctor to get the reports.. 1 week after that he handed me over a cheque.
I asked why is that ??
He said even im still entitle for my hospitalization.. according to my policy
Which Room - RM200 / day
Surgery - Up to rm 7k claim / unit( depends where is the surgery) ( i got 3 units)
so i was admitted for 4 days and surgery for dialysis
wow i still have some cash for spend.. hehe
This post has been edited by notsosilly: Oct 29 2009, 10:44 PM
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