When I decided to upgrade my Incomeshield Plan B to NTUC Enhance Incomeshield Plan - Preferred in 1 April 2009, I received a letter as follow
It is hereby agreed and declared that with effect from 01-04-2009, the following provision shall apply to this policy
For plicy number : 90xxxxxx, the benefits under Incomeshield and Incomeshield Plus Rider shall not be operative in the event of a claim for costs of treatment, medical advice, hospitalisation, relating to and/or arising out of
DISORDER OF THE HEART
AND ALL ILLNESSES/CONDITIONS CAUSED THERBY AND/OR RELATED THERETO, INCLUDING THE CONSEQUENCES OF TREATMENT
THE ABOVE EXCLUSION, IF PREVIOUSLY COVERED, WILL CONTINUE TO BE COVERED UNDER PLAN BSG
All other terms and conditions remain unchanged.
Countersigned by : _______________ _______________
Authorised Officer Tan Sue Chieh
Chief Executive
When received this letter, I was disappointed and also feeling unfair. Disappointed as the National heart centre that diagnose I have Mitral Valve prolapse trivial had discharged me with no follow-up check-up or appointment needed. No treatment required then why should NTUC income exclude the heart condition in my policy?
Unfair - I am paying the same premium as other policy insurer but cover less, then why should I pay same but get less?
This year I go for medical check-up and the result is very good. So I decide to appeal for my incomeshield with my medical report and wait for their reply.
4 comments:
Was the appeal successful ?
Yes the appeal is successful with another medical checkup.
Hi KC, good to hear this. Could u share with me who and where you sent the appeal to? I asked my agent and the agent conveniently shrugged me off.
You may want to call the company and indicate what are the additional medical check require. Then they will send the form to you to fill in and the necessary follow-up.
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