i'm sorry if you guys feel that i'm long-winded regarding this
but i have to ventilate it out a little or else i can't sleep with
all that anger inside.
have you guys seen this small advertisement sticking out the top
of POSB/DBS ATMs that sells travel insurance? they claim that
within 10 minutes, one could purchase a travel insurance and have a
peace of mind when travelling overseas. they cover death/permanent
disabilities and medical expenses blah blah, the usual... the
parent company is MSIG and this is like a joint thing with DBS.
i was queuing up with Mrs ATM card to withdraw some cash to
change to Ringgit when i saw the advert... my mentality, "be
prepared, not sorry" right? so after withdrawing some cash, i
continued to use my Mrs card to apply for the travel insurance but
as it's her card, her name is registered as the one applying for
the insurance. i specifically purchased FAMILY COVER... which
legally means the insurance will cover the insured, his/her legal
spouse and child/children... am i right to say so? it say so in the
contract they sent over a few days later before our trip.
the last day of the holiday, i got sick... real sick... food
poisoning... a piece of advice... don't drink tom yam soup from
KL's hawkers... they don't wash their hands... i've seen it myself.
so back to the topic... as my wife's a nurse herself, we tried to
self-medicate for the duration on the way back to Singapore. back
to Singapore, the symptoms didn't really subside so what's the next
best course of action? visit a doctor right? since it was Sunday,
only private clinics are open and down at Lorong Ah Soo there is a
Healthway clinic which opens on Sundays. took a jap, some
medication and the bill went up to $81.50. hey, i have no complains
since i'm covered by insurance right? wrong!
called them today, sent in an online claim form and what they
replied me? the insurance only cover the insured person, which is
my Mrs. not me... huh? why the hell would anyone purchase a FAMILY
COVER if he or she is alone? there is an INDIVIDUAL COVER which is
a lot cheaper... Hello? wtf?
i'm now waiting for morning before i start to bomb their hotline
again... this is ridiculous... if i have to take it to CASE, i
will... this is not about $81.50. this is about cheating us honest
working citizens...
i will solemnly pledge that if they return me the $81.50, i will
give it to charity and will have a receipt to prove it! damn those
money sucking insurance assholes...
sorry to hear about such thing
ya ,bank telemarketing technique is quite unscrupulous .They do
not advise you ,they just tried to "sell" it on the phone and the
contract is done
there is not room for objection and its hard to understand the
limitation of the plan
I am a Insurance agent and i can empathise how you felt .
Maybe you can bring it up to FIDREC to say you are being mislead
in this case
Do pm me if you have other enquiries on travel insurance related
matters ,I will be glad to assist