....insurance claim kena rejected after eye treatment at KTPH.......

[11.11.]

COMPLAINT SINGAPORE​

Terence Teo · tnseopSdrou3gh5ggimi01i6610ul024lg9mc5m620c34l3g0ai974mg172i ·

https://www.facebook.com/#
Recently I went for a routine eye check up (at KTPG) and they discovered a condition that needed treatment. After the treatment, they helped e-file for insurance claim. When the insurance company (GE) received the medical documents, they rejected my claim. Reason: it was recorded in my discussion with my eye doc that I said I have floaters. And I said I thought I might have them maybe 4 or 5 years ago. Because I bought the policy 2 years ago, they jumped on what I said and rejected the claim because I have a medical history of eye disorder.
I didn't see the floaters as an eye disorder and I really cannot know when it started. I just mentioned it in passing as part of my check up. They have nothing to do with the treatment.
To top it off, the insurance company said I did not declare it when I took up the policy and as such they will insert an exclusion clause not to cover my eyes.
I find this unreasonable and have written to them. But knowing insurance companies, they will jump on anything you say or whatever they can pick in order not to pay a claim.
As a layman, I'm not even sure what I have are floaters but just said it in case the eye doc has an opinion. The doc said it's not a problem because they don't affect my vision.
My agent said I shouldn't have said this. So we shouldn't even ask a doc for opinion on something we feel because the insurance company will pick on them? There is no medical record or history of my floaters except what I said. Even if they want to claim that now there's a record, it should be from the date the eye doc register it. It cannot be from front the date "I think I had". Imagine if someone said I think I had high cholesterol, then it becomes an omission in declaration?
I'm upset and waiting for their response but I'm not hopeful.
Just be careful what you said because doctors will innocently record as if they are facts. And insurance companies will take advantage.




All reactions:
3030

 

[brownkai]

SignZzzzzz I have a similar case also...

 

[XcoVar]

If its me, I'll file complaint to MAS then CC a copy to insurance firm.

 

[blankies]

its ridiculous.all ppl will see floaters........kaoozzzz

 

[Callow Guy]

He shld reiterate that the floaters he saw are 小飘飘

 

[luckygal]

That’s why I have friends who gave up their integrated policy n just depend on medishield. At least won’t end up pay and pay in the end can’t claim. That’s what they say.

 

[Visor9999]

This is normal. They don’t pay for preexisting conditions

 

[Visor9999]

That’s why I have friends who gave up their integrated policy n just depend on medishield. At least won’t end up pay and pay in the end can’t claim. That’s what they say.

Only buy integrated policy if no medical conditions is the most worth it

 

[qhong61]

COMPLAINT SINGAPORE​

Terence Teo · tnseopSdrou3gh5ggimi01i6610ul024lg9mc5m620c34l3g0ai974mg172i ·

https://www.facebook.com/#
Recently I went for a routine eye check up (at KTPG) and they discovered a condition that needed treatment. After the treatment, they helped e-file for insurance claim. When the insurance company (GE) received the medical documents, they rejected my claim. Reason: it was recorded in my discussion with my eye doc that I said I have floaters. And I said I thought I might have them maybe 4 or 5 years ago. Because I bought the policy 2 years ago, they jumped on what I said and rejected the claim because I have a medical history of eye disorder.
I didn't see the floaters as an eye disorder and I really cannot know when it started. I just mentioned it in passing as part of my check up. They have nothing to do with the treatment.
To top it off, the insurance company said I did not declare it when I took up the policy and as such they will insert an exclusion clause not to cover my eyes.
I find this unreasonable and have written to them. But knowing insurance companies, they will jump on anything you say or whatever they can pick in order not to pay a claim.
As a layman, I'm not even sure what I have are floaters but just said it in case the eye doc has an opinion. The doc said it's not a problem because they don't affect my vision.
My agent said I shouldn't have said this. So we shouldn't even ask a doc for opinion on something we feel because the insurance company will pick on them? There is no medical record or history of my floaters except what I said. Even if they want to claim that now there's a record, it should be from the date the eye doc register it. It cannot be from front the date "I think I had". Imagine if someone said I think I had high cholesterol, then it becomes an omission in declaration?
I'm upset and waiting for their response but I'm not hopeful.
Just be careful what you said because doctors will innocently record as if they are facts. And insurance companies will take advantage.


All reactions:
3030

GE really

 

[Tschuus]

I don't think I willh have such problems bec I paid my insurance for 20 years plus without claims. I don't think they can link any issues I might have back 20 years ago

 

[BalancingAct]

These cos will try means and ways to push away claims ..
Am very sceptical these days even though I’m insured .. sigh

 

[newborn1000]

heng , i was scammed by poly mates to buy insurance , so thats was donkey years ago

once tried claiming once , was successful

 

[yellowkit]

are people even surprised when these are the same snakeoil salesmen to sell ILPs to you?

 

[rarenick]

Depending whether doctor says the eye condition is due to or affected by floaters and whether doctor felt that the medical would have existed 4 yrs ago and he (patient) ignored it and without declaring to the insurer.

 

[rarenick]

These cos will try means and ways to push away claims ..
Am very sceptical these days even though I’m insured .. sigh

Buy from established and reputable international insurers. I see GE no up.

 

[pohw0008]

I don't think I willh have such problems bec I paid my insurance for 20 years plus without claims. I don't think they can link any issues I might have back 20 years ago

They like this kind of people cause can earn your money for 20 years already..

 

[herzberg]

Insorlence ish jin chao kuan, sell policy and chase premium jin on the ball, payout claims then gib all sorts of sexcuse to delay or deny

 

[s-ghost]

go undo the treatment ba

 

[Tschuus]

They like this kind of people cause can earn your money for 20 years already..

That's the whole point about insurance and pension correct? Without most people paying and not claiming how can the system stay off being bankrupt .

 

[nyvrem]

what constitutes 'medical history' ?

if u have a history of cough due to cold/flu your whole life then later u kenna lung cancer

insurance can pattern pattern reject ur claim ah?