They claim i mis-read the policy. I admit, that like most
people, can't make head or tails what i sign on the doted
line....... that's why i call them up to confirm. like i say.....
the staff told me no problem, max claim can be up to $4200...... no
one told me that NTUC can claim back a max of $1500 a yr from me.
can't remeber what's the claim back called. my total claim is
$3900+.... and I think that with a max claim of $4200, it should
cover my whole claim. But NTUC say that my daliy claim is only
$500. So 2days stay at Hospital is only $1000...... doctor fee is
$500. Total claim only $1500. Therefore NTUC after using the $1500
claim back, they own me nothing.......
Lesson learn...... do your homework properly before signing the
paper. If not, kena screw too late already.
But no choice. I need the Operation to improve my Health..... even
if NTUC told me before the Ops that they wouldn't pay, i would
still go ahead for the Ops. Just angry that the play me out last
minute. 
