The Star has a story on some insurance companies Making it hard for claimants and Hundreds of true-life trials of the insured
Some of it is as a result of the insured not reading or understanding the fine print (who does anyway?) and sometimes it’s because of non-disclosure of pre-existing illnesses (perhaps the fault of the agent who may dismiss it as not necessary).
Sometimes, it’s just that some insurance companies are being purposely difficult (deny first, make it difficult to claim strategy) such as in our post Dealing with difficult insurance companies
Sometimes, it’s just poorly trained or idiotic claims personnel, like the real story of the claim for critical illness which was rejected because the doctor used the term “carcinoma” instead of “cancer”.
Recently I encountered a claimant who was scheduled for a follow-up PET scan after cancer therapy and she was told “if the scan is negative you cannot claim” – absurdity!
It’s time the authorities take a hard look at the shenanigans in the private health insurance arena and come down hard on the bad boys.
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