Overview
SGD$24,000 bills for 3 days hospitalisation with keyhole surgery to remove multiple cyst from womb In Mount Elizabeth Orchard Hospital with 1 month hospitalisation leave.
Claim Settlement: Successful
Diagnosis:
Removal of a 7.5cm and a 3cm non-cancerous (benign) cyst from each side of womb . Keyhole Surgery.
Description:
Annual Health Screening shows elevated indicator on Tumour Marker CA125. Indicator triggered further examination. GP referred patient to a Restructured Hospital which requires up to 6 weeks of waiting interval between each session of Consultation, Ultra Sound and Consultation on treatment recommendation, which worked out to be more than 4 months.
Patient is worried if it is cancerous and waiting is too long. Recommended patient to visit private a private specialist directly. Consultation happened within 3 days with Consultation, Ultra Sound and Treatment Recommendation happened on the same day. A Day Surgery was planned and performed in less than a week. Concluded that is not tumor / cancerous by specialist. Patient recovered with no visible scars and with great piece of mind.
Claim Settlement took slightly longer than expected as policy is less than 1 year since inception and more investigation is required by Insurer for policies that are less than 1 year old. Fortunately client has no preexisting condition and claim was paid up in full without forking out a single cent for the hospitalisation and procedure.
Hospitalisation ClaimTips: Do you know H&S Policies that are less than 1 years old are contestable upon claim (aside from Accident claims). Insurers will do more due diligent in administering claim by checking all medical records.This is to manage concealment of facts if there are (undisclosed medical conditions) during policy application. So always declare your health conditions during application process or apply when in pink of health.
Pre & Post Hospitalisation Claim: Successful
Tips: Do you know you can claim for Pre & Post Hospitalisation via reimbursement basis if those consultations were relevant to the condition you were warded for?
- Pre-Hospitalisation: Usually 90 days.
- Post-Hospitalisation: Range from 90 days to 365 days depending on plan types.
So always keep all your receipts and documents for such cases.
Tips: Do you know your transportation fee to the hospital is claimable as well? Only applicable to the one which you took to be warded. From the receipt below, its $18.80
