Posted by
D-Man
18 yrs ago
just going throught that now. We had to have a helicopter air lift wich they say they are not covering. they are also not sure if they will cover the ambulance either. Then there is the issue that they said we are covered for semi-private hospital stay but the hospital we were taken to (no choice) only had private rooms so that is another issue. I also had to pay a US$3000 deposit to the hospital which may not be reimbursed. There are also things such as, we needed a metal plate for broken bones which is not covered nor is the cast to support the leg. its all the little details that get you.
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I don't think this post will stay here for long if there's criticism of individual companies. But this is fact: my medical insurer (one of the two major names) only covers investigations up to the point of diagnosis. Once an illness has been diagnosed, then cover stops. Things can start getting very expensive after that. They don't feel they need to provide justification for it, they just state that they won't and that's that.
I might add that I'm not talking about a budget policy; this is right up at the top in terms of cost and is referred to as a five star, comprehensive international policy. It also limits the amount it pays for outpatient cover and outpatient medication per annum, and is an amount that can easily be used up with just a few private consultations and prescriptions. Reading the booklet I get sent each June, I note how the goal posts move every year in their favour, but I'm sure they're not alone and I guess all insurers are doing everything they can not to pay out.
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Ed
18 yrs ago
No problem with posting Horror Stories but please don't name the insurers...
I think this will still be a useful commentary to provide people with some useful and specific questions to put to their potential insurer when considering/comparing policies.
I'll get a link to this interesting thread from our home pages asap so we can encourage more participation and get a comprehensive list
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Exactly - the companies aren't substitutes for institutions like the NHS in the UK or other health care social systems such as those in the Scandinavian countiries. Now we know how lucky those people living in those sorts of countires are! Companies are there to provide us with some cover but they are still in the business for profit - we have to accept that and make our own provisions either through government hospitals or savings. And by the way, I don't work for an insurance company!!!
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My mom took out an insurance for few years which states a list of medical illness and surgeries which are covered. She had a surgery, but upon claim submitted, the insurance company had ways to reply that her surgey are not one of their category/group of severity. We had all the physicians' letters and hospital documents, but still to no avail.
Lessons learnt, I have not bought any medical insurance as yet till today. Thank goodness that Singapore has a good medical plan as in Medisave for its residents.
As for the life and savings insurance, I have not been convince enough to get any at the moment. If the returns are calculated properly, then most will find that it is somewhat similar to your cold hard cash in the bank or portfolio in the investments.
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Company Group Insurance plans have better coverage. Typically the insurers are not that strict in payment. Afterall, they still want to keep the company as a major client.
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The insurance policy I mentioned in my earlier post is a company group insurance one and in its latest booklet (which, incidentally, each year arrives three months after the annual policy has been paid) clearly states that cover is provided for treatment of a medical condition "until the treatment becomes long term". It refused to pay for any anti-viral drugs for a colleague diagnosed with hepatitis C, not even in the short term.
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