Medical Insurance Claim Advice HK

Hi, I would like to get some advice on medical insurance claim.
I recently got some lab tests done and the insurance company rejected my claim as I had already used up the amount limit for this year on a different medical visit for a different problem.
The insurance policy says $XXX amount limit PER DISABILITY. I thought this meant $XXX amount per different illnesses/diagnosis as per my case, but the insurance company says any lab tests count as same disability regardless of the difference in illness that they are testing for. Would be great if someone can help clarify or know where I can get some advice.
Thank you, M.

Hi Margaret,

usually for investigation insurance pay up to a certain amount, lets say 2.000 dollar,
in your insurance list you will see something like
- x-ray up to 2000$
- investigation up to 2000$
- blood test up to 2000$
but that does not mean they will pay 6.000 dollar in total,
if you spend all your 2000 dollar on x-ray there is nothing left for blood test or other investigations, i hope i explained myself, sorry i'm not native English...

BUT there is a way around it and is that you ask your doctor to be admitted to hospital for the investigation, I have MRI once a year and if i stay in hospital for at least 6 hours it will fall into the hospitalization claiming form and usually i get full refund, but you need to check with your insurance if this work for them too.

i hope this is helpful