Jan 1 2010, 07:20 AM
QUOTE(PJusa @ Dec 31 2009, 06:37 PM)
weikian,
1) makes little sense. many GI companies actually specialise in providing medical insurance (see for example axa globally) and most if not all (non local) ones have extensive portfolio experience. GI is always cheaper than Life for reasons outlined before. it has nothing to do with service or claims.
Let's no say specialize. Let's just say that they will process your claim. GI always cheaper, but read through one policy, you will always know why its cheaper. And when you are choosing a provider, it has everything to do with service and claim.1) makes little sense. many GI companies actually specialise in providing medical insurance (see for example axa globally) and most if not all (non local) ones have extensive portfolio experience. GI is always cheaper than Life for reasons outlined before. it has nothing to do with service or claims.
What policyholder has to consider sometimes is that there are three party in an H&S claim. You, the insurer and the service provider (Hospital lah)
Before I joined my current company, I was with another provider. As part of our marketing activity, we contacted a reputable hospital, and asked if we could open a promotion counter like they gave to my current company.
They flat out refused to even consider us when I mentioned the company I was with back then. With the help of an acquaintance, went to see the manager of the hospital and it was a very eye opening discussion.
The reason they only allowed my current company to open a counter in the hospital is that they are the best at paying claims. No delays, unnecessary questions, need for referral, counting doctor visits, type of treatment, just show your medical card, Guarantee letter whether accepted or rejected was informed in less than 30 minutes, prompt payment. Patient is happy, they are happy (to be paid), and no headache. He then told me that my former company delays payment to the hospital, sometimes pushing it back as far as three months and above. Because of that, he says, why should I promote you when you give me headache?
Lucky enough he says that my company delays payment so patient don't feel the kesusahan, but some other would want you to submit a medical report first before being admitted. Where's the report from the clinic that referred you to the hospital, we want to see first? Who gets to explain to the patient that their insurance company wanted that report first before you could be admitted? Guess who, its the HOSPITAL, and nanti kena tiaw hospital first jugak lah.
Yes, you can always complain to Bank Negara if you tak puas hati, but when you want to complain? Why do you think some provider have to go to the trouble to announce that Yes! We cover H1N1? (policy states they don't cover epidemic) When that happens, you think you have time to complain to Bank Negara? What if they reject your claim? If you still want to pursue, you have to file summons in court for that, to enforce the insurance contract. You have to money to pay lawyers?
Regardless of what they write, go with providers known and trusted with a good reputation. You don't want this kind of trouble. And it so happens that many of the best medical cards are owned by the lifers. (Best in terms of service, claim payments, and hassle to you!)
This post has been edited by mfitri77: Jan 1 2010, 07:22 AM
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