In today’s insurance market, understanding policy terms and claims procedures is crucial to protecting your rights. Recently, a conversation between insurance agent Faith Hew and her client Brian highlighted an important topic: the impact of congenital issues on insurance claims. This article uses their dialogue to explore this issue and provide practical advice.
The Importance of Medical Cards
Brian mentioned that although government hospitals provide medical services, he chose to purchase a medical card for private hospital care. Faith explained that, despite the benefits of government hospitals, many people prefer private hospitals due to shorter wait times and potentially higher quality of care. Having a medical card not only provides quicker service but also offers critical financial support in emergencies.
The Challenge of Congenital Issues
Faith shared a thought-provoking story during their conversation. She described a 29-year-old woman who, during the MCO period, suffered a stroke and required emergency surgery. Despite having a medical card, the insurance company denied the claim because the doctor’s report indicated that her vascular malformation was congenital, which was not covered under the policy. This situation not only angered the patient and her family but also highlighted the importance of understanding insurance terms.
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Understanding Insurance Terms
Faith noted that many people feel disappointed or even abandon insurance due to exclusions in policy terms. However, she emphasized the importance of understanding these terms. For example, AIA offers a special clause that may cover certain conditions if they did not occur before the age of 17. This clause can help bridge the gap left by congenital issues.
Supplementing Insurance Coverage
Faith also discussed the concept of purchasing multiple medical cards, which is not just about the cost of insurance but about obtaining comprehensive coverage. She compared it to upgrading from a basic phone to a smartphone: the initial medical card may not meet future needs, so additional coverage may be required. Allianz’s medical card offers extensive coverage, reducing the need for extra policies.
Faith Hew’s Commitment
Faith emphasized her responsibility as an insurance agent to ensure that clients can successfully claim when needed. She mentioned that while filling out applications might take time, it is crucial for ensuring smooth claims processing in the future.
Conclusion
Through Faith Hew’s dialogue with Brian, we see that congenital issues can significantly impact individuals and families in insurance claims. Understanding policy terms, choosing suitable insurance products, and seeking professional help when needed can help protect our rights better. When selecting insurance, it is important to consider not only the cost but also the comprehensiveness and long-term reliability of the coverage.