Forum: Insurance claims denied because minor conditions not disclosed

Last October, I purchased a life protection policy and upgraded my hospitalisation plan to include coverage at private hospitals.

In February, I was diagnosed with stage two breast cancer. With affirmation from my financial adviser, I pursued treatment at a private practice. I began treatment and submitted my claims for my critical illness payout as well as my upgraded hospital plan's coverage.

This hospitalisation coverage entitled me to claim 100 per cent of my pre-hospitalisation bills on top of the full sum assured from the life protection policy.

Throughout, I held on to the assurance that my policy would ease my burdens, as my income was affected by my sickness.

Five months later, the insurer rejected these claims, citing failure in disclosing my vertigo and asthma. These ailments occurred one or two years before I bought the policy, during separate one-time visits to the family clinic for dizziness and cough.

I was not formally diagnosed, and I did not think these were conditions worth disclosing as there were no specialist referrals and the clinics deemed further examinations unnecessary.

Hence, the insurer's reasoning baffled me.

How could these two incidents alter my outcome? The insurer also took five months to process my claims instead of one to three months.

I asked other insurers, who said such claims should take only up to a month to help clients in times of urgent need.

I was left stranded with a whopping $100,000 in medical bills with an additional $150,000 potentially pending.

After speaking to others, I realised there were many others who have fallen between the cracks and were denied adequate care by their insurer.

Mismanagement of information can result in painful impacts on people's lives, and my wish is that we start valuing lives for what they are.

Denise Ho Shi Yi

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