Tuesday, 16 August 2016

Medical Card Yang Lahanat

MEDICAL INSURANCE LAHANAT


Sy nk viralkan rasa tertipunya sy dengan polisi syarikat insurans PrudentialB** FUCKFULL ni.. Harap leh jadikan iktibar untuk rakan2 yg nak amik polisi syarikat ni dimasa akan datang..

Kisahnya mcm ni:-

12/8/2016- kul 9pm cmtu si abg demam and after bincang dgn wife decide bwk pegi klinik biasa kt sunway. Then balik umah mkn ubt mcm biasa.

13/8/2016 - 9pm abg still under medication clinic, tapi.. demam si abg tak kebah2.. So I bincang dgn wife, then we decide bwk g hospital Assunta PJ sebab mata abg dh merah menyala. Badan panas gile. We check ourself using termometer temp dh reach 38.6-39°c. I st8 drive to emergency counter. Doc n nurse decide suh abg mandi n trus bg ubat cucuk buntut tu.. Bru la cool down skit.. Then doc monitor every hour, bg ubat n finally they decide abg must admit to ward for further treatment. Suspect kena viral fever. I inform doctor abg got medical insurance card and pass to them for admission purpose.

Then sinetron drama begins...

Hosp inform insurance will response the next morning (14/8).. So i need to pay 200 for deposit. Ok, i just pay je la. Next morning (14/8) nurse dtg bilik inform insurance decline issuing GL sebab kes abg katenye boleh treated as outpatient case. Anyway latest update doctor ckp abg kene INFLUENZA-B.. (Spesis selsema bejangkit n agak bahaya gak la). Bahaya ke x bahaya.. Si abg demam & x elok2 lg.. Anyway i better proceed je la with treatment even insurans x approved GL.

14/8/2016- Agent insurans call n dtg hosp namanya En. Wan. (tak dikenali sebab agent yg dikenali dah tak lg aktif) dtg hospital melawat n discuss isu agent yg dh x aktif tu n nk takeover our policy under him.. Bgtau doctor justification (viral fever) tak kuat.. Kene submit blk apply GL lain. Doctor kene bg strong justification.. Bla.. Bla..Bla.. And kalau xleh claim insuran pun, just pay cash n boleh claim balik...

Then, I revert back to doctor n nurse.. Doc ckp I will put INFLUENZA-B for abg case. Hope insurance can cover. Lega la sikit sy dgr...

15/8/2016 - 2nd attempt Hosp apply for GL still x lepas. Abg pun alhamdulilah dh nmpk sihat n xpayah lah nk pening2 ngan insurans gile tu.. So i discuss ngan doc mintak abg discharge. Lepas byr bill sume kitorg pun balik. Insurans call pukul 1.30pm bgtau insurans decline sebab bla..bla..bla.. (Same mcm diatas).. N worst thing tak boleh claim sebab sakit jatuh kategori outpatient.. Naik darah ler aku.. Sesia je la ko makan maki aku setengah jam..

Sy tanya insurans what type of justification u need untuk jenis demam yg kritikal perlu warded or x. Dh smp tahap doctor tahan ward pun tak kan tak kritikal lg ke. Bukan aku suka2 nk tidur hospital kot..

Time byr bulan2 cantik takde mslh..agent pun tah kemana.. Time sakit ko igt aku n org lain boleh pilih ke sakit ape yg nk dtg! Nk tgu org dtg hospital bedarah2 mcm nk mati bru GL approved kot! Lahanat pye insurans! Full coverage kepala bana cmni!!

Skrg ni sy decide utk DECLINE byr insurans ni starting next month. I feel super pissed off by you PrudentialB** FUCKFULL..




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