May 23 2010, 09:51 AM
QUOTE(kidZac @ May 23 2010, 03:26 AM)
To answer your question if insurance policy will reject the claim if the disease if not popular,or the so called exotic diseases, I suggest you look up the various definations in insurance companies under the clause TERMINAL ILLNESS. For those who are too lazy to do it, pm me for the answers. I dont like making things too easy for ppl.
I have no problem accepting the rejection of something that is not included in my plate when the menu brought up says it's a Steam Siakap Fish with Ginger. Of course , you will be expecting a steam fish cooked in ginger . Whether it's a lot of ginger or whether it's a Bentong Ginger is another matter. Same goes to Insurance Policy, one cannot know the exact terms, the disease name that is cover and not cover until one had it.
To request for the full list from insurance agents will be very rare case to get 1000 diseases name listed out for the client. As you are smart enough to use the word "EXOTIC DISEASE" in your vocabs . By the way, maybe it's me who are slow enough or probably not smart enough to understand or use the word when i asking you guys question. But thanks , i learn a beautiful word from you ,kidzac.
Secondly, i don't recall the the patients in the papers that u mentioned never complaining about not being able to claim for medical insurance. What was highlighted was there is a lack of donors, and that there is a long waiting list that some ppl even die waiting. Which part of that is the insurance companies' responsibilities? Donate their staff's organ to make the claim possible? force their staff' to sell their organs so that the patients' can make a claim?
Kidzac, when you make a debate on my write up, you should focus on what i said and don't presumely assume and make your own assumption that drive the conversation to negative arguement. Please read up again what i said and we are here to discover for better health policy, better than what we had already and affordable for everyone. You have use the word exotic diseases and how many customers of yours have came across this term...lung fibrosis,cystic bronchiectasis and there are other term that determine the claim right . Ok than im sure Insurance company will bear the hospital cost of lodging and surgery of it but may i know if the insurance also includes the cost of
1) Organ Transplant
2) Consultants
3)Organ Transfer
4) Blood diffusion and transmission
5) Theraphy
what you should be asking for the many ppl out there is:-
1. is my medical insurance adequate
2. is my critical illness coverage sufficient to allow me 3 years of time out from work waiting for a possible donor to come along.
That question is your sales talk question my friend? what does this question leads to? It leads to higher cost of premium and making your pocket fat. that's y i said its a sales talk, my friend.
insurance companies have been around for many many years, some as old as 100 years old. i dont think there is a need for us agents to even need to tell u about the credibility of the company.
Dude, i don't know if i was wrong or you but i thought Richard Nixon was the one tabled and legislate the insurance policy in the era of the 70's and that was like 30 years old. But i know the number of years are not that important after all as i know the Roman Empire also very long enough to make the mistake in ruling. Even 50 years of BN ruling also not perfect and here you are saying insurance company is long enough to know . I don't like to bet my head on this but make no mistake that without the client or consumer, insurance co are also nothing and the funds that used for the consumers are also their premium partly so it's better not to express with excessive pride of the company.
I have no problem accepting the rejection of something that is not included in my plate when the menu brought up says it's a Steam Siakap Fish with Ginger. Of course , you will be expecting a steam fish cooked in ginger . Whether it's a lot of ginger or whether it's a Bentong Ginger is another matter. Same goes to Insurance Policy, one cannot know the exact terms, the disease name that is cover and not cover until one had it.
To request for the full list from insurance agents will be very rare case to get 1000 diseases name listed out for the client. As you are smart enough to use the word "EXOTIC DISEASE" in your vocabs . By the way, maybe it's me who are slow enough or probably not smart enough to understand or use the word when i asking you guys question. But thanks , i learn a beautiful word from you ,kidzac.
Secondly, i don't recall the the patients in the papers that u mentioned never complaining about not being able to claim for medical insurance. What was highlighted was there is a lack of donors, and that there is a long waiting list that some ppl even die waiting. Which part of that is the insurance companies' responsibilities? Donate their staff's organ to make the claim possible? force their staff' to sell their organs so that the patients' can make a claim?
Kidzac, when you make a debate on my write up, you should focus on what i said and don't presumely assume and make your own assumption that drive the conversation to negative arguement. Please read up again what i said and we are here to discover for better health policy, better than what we had already and affordable for everyone. You have use the word exotic diseases and how many customers of yours have came across this term...lung fibrosis,cystic bronchiectasis and there are other term that determine the claim right . Ok than im sure Insurance company will bear the hospital cost of lodging and surgery of it but may i know if the insurance also includes the cost of
1) Organ Transplant
2) Consultants
3)Organ Transfer
4) Blood diffusion and transmission
5) Theraphy
what you should be asking for the many ppl out there is:-
1. is my medical insurance adequate
2. is my critical illness coverage sufficient to allow me 3 years of time out from work waiting for a possible donor to come along.
That question is your sales talk question my friend? what does this question leads to? It leads to higher cost of premium and making your pocket fat. that's y i said its a sales talk, my friend.
insurance companies have been around for many many years, some as old as 100 years old. i dont think there is a need for us agents to even need to tell u about the credibility of the company.
Dude, i don't know if i was wrong or you but i thought Richard Nixon was the one tabled and legislate the insurance policy in the era of the 70's and that was like 30 years old. But i know the number of years are not that important after all as i know the Roman Empire also very long enough to make the mistake in ruling. Even 50 years of BN ruling also not perfect and here you are saying insurance company is long enough to know . I don't like to bet my head on this but make no mistake that without the client or consumer, insurance co are also nothing and the funds that used for the consumers are also their premium partly so it's better not to express with excessive pride of the company.
Added on May 23, 2010, 9:59 amIm not going to hang around and make defensive statement next. so don't need to attack or whatsover. just reply on the policy , consumer rights and the holistic approach in the insurance claims. im not interested to troll around on the same issue . thank you.
This post has been edited by hackwire: May 23 2010, 10:22 AM
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