Things ain't going too smoothly for me lately. Everything seems to go wrong and all the unpleasant things seem to come pouring together simultaneously. When Baby C was admitted to the hospital last week, we went to Pantai Medical Center as this hospital is under our insurer's panel. However, an hour later, we were informed by the hospital that our application for the particular claim had been declined by the insurers. Our insurance agent later informed us that all our claims related to Baby C's UTI will NOT be borne by them as her UTI is caused by Kidney Reflux, which is considered a congenital disorder. Congenital disorders will not be covered by any insurers. I was really disappointed and felt cheated coz when our application was approved a few months ago, our insurance agent informed us that there wasn't any exclusion on her claims. Now, they are telling us that they are not bearing our claims. Sigh.... this would mean extra burden on hubby.
Baby C has been admitted thrice for UTI and each hospitalization cost over RM1,500. I am just hoping and praying hard that Baby C does not require surgery coz her surgery is a very costly one. But looking at her situation, I think surgery is most likely needed. If she gets a few more UTI attacks within the next few months, a surgery to correct her urinary tract is the best solution and the doctor suggested the surgery to be done after her first birthday, if she doesn't outgrow the Kidney Reflux. I wonder if there's ever light at the end of the tunnel....
Health Freak Mommy ~ The Joys And Throes Of Motherhood
8 comments:
Shireen, there will be! Shall continue praying for her & think positive. It's not easy to be so when
things dont look so good but eventuaLLY all these turbulations that u go tru with courage will bear fruit. Take care, dear.
Wat did ur agent say now? If there's an error on their side, maybe u can file a complaint? Really hope bb C will outgrow the KR, to avoid going for surgery. Money is still secondary. Really hope she doesn't hv to go thru surgery at such young age. U hang in there ya.
That's horrible for them to tell you that now. Hope you, baby and your DH will pull through this tough time. May the Lord grant you all strength and comfort. HUGS!
sorry to hear that shireen. it's so typical of these insurance agents. they are so eager to sign you up and tell you everything is ok until it's time to claim. i've been praying for baby C and hope she'll recover fast. *hugs*
Its always like that with insurance isn't it? Even when you read the fine print cos you don't know what they're talking about.
Hope that baby C don't have to go for a surgery. Poor baby.
Check your insurance policy, if there is no written exclusion on it, then you can complain to the insurance company. Most of all, check if the agent help you to declare your baby's kidney reflux to the company when you apply the insurance. If no declaration during application, obviously there will be no exclusion.
If there is no declaration on the kidney reflux, you may want to declare it to the company now to avoid being not able to claim other thing in future. State clearly on the health issues on baby C that you know up to the date you apply the insurance. Some insurance agent knowing there may be some difficulties on getting the insurance to be approved, they may choose not to declare for you. Then you may end up paying for an insurance that you may not be able to claim any.
Geee, definitely not a easy decision huh? Thought of try out Chinese Traditional medicine before opt for surgery?
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