NTUC INcome new clauses

[Retribution]

I just read Incomes new benefits clauses, " The benefit only pay for reasonable expenses for necessary medical treatment for the insured in the policy year.

This seems vague. Who decides what is reasonable expenses and necessary medical treatment? The insurance company?

This seems to give the insurance company to reject any claims as they see fit.

Am I misunderstanding this?

 

[soneat]

I think the terminology is not new. They have been using such wordings. From what I recall . . medically necessary - as determined by doctor to be necessary (and not elective).

 

[Retribution]

I think the terminology is not new. They have been using such wordings. From what I recall . . medically necessary - as determined by doctor to be necessary (and not elective).

Thanks Soneat, I read further and it spells out how to do the mitigation if there is a difference of opinion as well.