I decided to bought Medical Card for SQ & Kiki 1 month ago, and have submited all the application to AIA. I know there sure hav eno problem with Kiki application, and for SQ I do think might have sikit problem. Remember SQ UTI when she was baby? I have make all the copy of the X-Ray & Doctor report to show AIA, SQ have 100% free from UTI since Feb 2006.
Yesterday, I received a letter from AIA regarding SQ Medical Card application. In the letter they stated and HOPE I can accept their offer of excluding cover of any sickness or treatment related to urinary system at the same premium!
$#(*^%@ I actually have expected this result before submit anything to them, but to be honest I still submit it lah, because I don’t want if anything really happen on SQ. This issue will pop out and causes problem. I already told my agent if I cannot get them accept covering all for SQ, I will cancel Kiki application as well. My agent said will help me to fight back and get me update before 15th wor..
Well, I planning to others Insurance company to get some quote. If all company are offers the same thing to SQ, then forget about it! I will not buy any medical card for them. I rather then save few hundred monthly and keep it for emergency use.
I’m not stingy on buying insurance, but I think is not worth to buy with that kind of Insurance company. Whatever is their profit and not the insured (Accept BAD THING happen to us).
And another meant point to stop me accept their offer is…If I accept it now, It may causes SQ are no longer qualify for insurance that covering URINARY SYSTEM! Is that mean SQ’s 60 or 70 years future life are excluding from covering this? #@$(*^@# It just unfair!
I doubt that do they really pass the medical report i submitted to doctor or professional and get consult or not. Don’t they know Infant Urinary Tract Infection are very comman and can be treated and fully recovery?