Outline ·
[ Standard ] ·
Linear+
medical / critical illness insurance enquiry
|
Kent3888
|
 Aug 25 2010, 02:42 PM
|
|
Hope somebody here can answer my question.
I went for a check up on my severe headache and found out it related to my sinusitis, which doctor assume there is fluid accumulation in the forehead. He advised me to get a CT scan before he can diagnose me on what treatment I should undergo, medication or light operation.
Now, I doesn't have any medical policies with me as I just started working, I'm now looking at one company but there stated that:
Specified Illness occurring within the first 120 days of insurance of the Insured Person: (having sinuses in the list)
My question is, lets say I get this policy now, and I go for CT scan after 120 days, if doctor advise me to go for an operation, is my operation fees or even the CT scan claimable?
|
|
|
|
|
|
Kent3888
|
Aug 25 2010, 03:37 PM
|
|
|
QUOTE(ajau @ Aug 25 2010, 03:19 PM) Yes, you can do that. But the decision of the claim based on the form that doctor fill in to request for GL. The date when the 1st symptom occur is very important to determine if the insurance company will provide GL. Even if you wait until next year, but the doctor declare it happened to you a year ago, and the date the doctor declare is within 120 days of waiting period or before you buy the policy, you will not get the GL. Also be careful with the word diagnosis. If the doctor fill in the form to admit you so that you can do CT Scan for diagnosis purposes, usually the insurance company will not provide GL. But if you still proceed and pay by yourself and the doctor decide to do surgery, you can claim the CT Scan cost provided it happen within pre-hospitalization period (usually 30-31 days). But if the doctor decide to do medication, no admission to be hospitalized, then, you cannot claim the CT Scan and also the outpatient (medical) bill. Thank you very much for you kind explanation and advise. I really appreciate it  |
|
|
|
|
Quote
0.0418sec
1.31
7 queries
GZIP Disabled