Dear All LYN member,

I have a question to ask in relation to the medical claim. Hopefully someone can help me on this. Many thanks in advance.

The situation is like this.....

My mum just admitted to the hospital recently and i was informed tat we can't use her medical card for the admission & hence have to pay our own for the deposit 1st. The reason given by the Insurance Co. is because my mum who diagnosed with "Bone Thorn" (direct translate from Cantonese as i dun know what exactly its called in medical term ) is still under investigation for the validity of the claim as they suspect the disease actually occurred prior to the date we bought for her insurance which is in December 2010. Therefore is not under the coverage.

However, my mum actually went for medical check up b4 she got her approval for the insurance policy and she had never suffered from this disease b4.

Really appreciate anyone fr the LYN member can give some advise to me on this. My current agent just tell me submit the necessary document n to wait for the outcome i.e. whether can claim or not....

It is GE.

Thanks for the information

When we about to buy the insurance, the insurance agent had done some interview with my mum. She did told him that sometimes she felt some pain on her hand and didn't actually went to clinic / hospital for consultation as the pain is minor and bearable, just went for traditional Chinese medic massage. Would that constitute non-disclosure of illness? in fact, we also suggested to the insurance agent to do a medical check up for this to avoid any future medical claims problem. Eventually, the medical check up goes well and nothings wrong with the report. Mana tahu... problem stil exists now....

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Added on May 24, 2011, 10:49 pmThanks for your info...

This post has been edited by Arsenal1980: May 24 2011, 10:49 PM