Getting started with insurance

[reddevil0728]

If it’s a private clinic one can easily pay and request for it.

but they say no? that's what poster is saying

 

[luckygal]

but they say no? that's what poster is saying

Yup but is not because of retrieval difficulties. Doc claimed they don’t usually provide for patients despite my friend wanting to pay the amount he charges insurer to get. My friend said she would try to get her agent to request on her behalf but charged to her.

 

[xtwis7]

Yup but is not because of retrieval difficulties. Doc claimed they don’t usually provide for patients despite my friend wanting to pay the amount he charges insurer to get. My friend said she would try to get her agent to request on her behalf but charged to her.

If it’s the patient requesting, I definitely don’t see why can’t that be done so. It’s not like you’re not entitled to your own sensitive medical information.

 

[reddevil0728]

Yup but is not because of retrieval difficulties. Doc claimed they don’t usually provide for patients despite my friend wanting to pay the amount he charges insurer to get.

how do you know that's not the cover of difficulties in retrieval

My friend said she would try to get her agent to request on her behalf but charged to her.

wonder if that can be done because of medical confidentiality.

 

[luckygal]

how do you know that's not the cover of difficulties in retrieval

wonder if that can be done because of medical confidentiality.

She said she saw everything in that stack of cards that doc always has

 

[reddevil0728]

She said she saw everything in that stack of cards that doc always has

then the clinic quite sus.

maybe check with MOH/Singapore Medical Council whether there is any policy/law/regulation that compels doctor not to release or must release such info to the patient.

 

[Sylar22]

Prudential PA plan good anot? Can use to claim MRI or hand/leg operations sustained during basketball/badminton injuries ?

 

[boredboiboi]

Prudential PA plan good anot? Can use to claim MRI or hand/leg operations sustained during basketball/badminton injuries ?

If due to accident yes. If not no

 

[Sylar22]

If due to accident yes. If not no

How to define accident? Let’s say I doing HIIT or yoga at home then sprain tio, let that considered accident?

 

[boredboiboi]

How to define accident? Let’s say I doing HIIT or yoga at home then sprain tio, let that considered accident?

Sprain yes. Overstress then no

 

[Sylar22]

Sprain yes. Overstress then no

How to prove ? Just claim as sprain only Ma.
Can claim until operation?

 

[reddevil0728]

How to prove ? Just claim as sprain only Ma.
Can claim until operation?

Doctor’s diagnosis lor

 

[Sylar22]

Doctor’s diagnosis lor

But need to MRI also first right

 

[boredboiboi]

How to prove ? Just claim as sprain only Ma.
Can claim until operation?

Usually is ownself write story. Pa claim is small amount. Even mri and operation also, how much can u claim? There is a limit to each accident claim

 

[Sylar22]

Usually is ownself write story. Pa claim is small amount. Even mri and operation also, how much can u claim? There is a limit to each accident claim

My friend went for knee surgery, 50k +

 

[reddevil0728]

But need to MRI also first right

Your claim is after the fact what

 

[boredboiboi]

My friend went for knee surgery, 50k +

Most accident plan pays limit is about 3 to 5k per accident depending on your tier. So it wont covers your bill

 

[reddevil0728]

My friend went for knee surgery, 50k +

That’s what ISP is for no?

 

[Sylar22]

That’s what ISP is for no?

Ya claim through ISP rider.

 

[BBCWatcher]

Most accident plan pays limit is about 3 to 5k per accident depending on your tier. So it wont covers your bill

That’s what ISP is for no?

Ya claim through ISP rider.

Just be aware that if you file claims with both your Integrated Shield carrier and your Personal Accident carrier for the same event you need to let each know about the other. If the policies are both designed for medical reimbursement you're not allowed to get back more than you actually spent on eligible medical care. In other words, you don't want to commit insurance fraud.

Some policies aren't specifically tied to medical bills. Critical Illness policies, for example. Those are generally, "Got this type/stage of cancer? Congratulations, here's some money to buy ice cream and a manicure." I'm not talking about policies like those.