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tiredgirl

Recently, my mother had the misfortune of meeting an accident and has been on a wheelchair for the past 6 months. She had the good benefits of buying many policies to protect her family against such incidents but was aghast to receive Prudential's rejection of disability.
These are what my mother and us have been going through but yet Prudential deem it not serious enough to be considered disability, may I ask what is disability to the insurance companies?

1) After a fall, my family doctor and medical specialist have written reports that the fall was unexpected and my mother had “slight concussion” to the brain.

2) Numbness in her arms and legs forced her to be wheelchair-bound for the past 6 months.

3) Her daily life revolves around family member helping her to cloth, feed, move around.

4) She have been enduring painful cramps in arms and legs and unable to live a normal life.

5) She have been doing therapy twice a week since hospital discharge, and the results are not ideal, but Prudential does not accept this results.

6) Her doctors have written reports based on forms provided by Prudential, but yet Prudential officers stated that those reports are not what they want. Would Prudential clarify on what reports to provide, and what standards should we adhere since their own forms are not suitable for their claim officers?

7) Her specialists are unable to provide treatment to full recovery and have suggested that she uses a wheelchair for her daily movement, does that count as disability?

8) She had bought many add-on riders to have peace of mind, yet she cannot claim on such a big event on my life. What is the purpose of insurance?

9) How can we trust insurance agents when they are trained in sales, but not trained in the terms of the insurance?

10) Prudential has informed us that their agents are not trained in claim procedures, then who can we turn to after we paid premiums and improved Prudential's sales?

11) My family is unable to seek help from Prudential's agent because he is not trained in claims issues, and their claim department refuses to accept medical reports following their standard forms. My family has no idea who to seek help.

12) The claim rejection is not transparent and Prudential said it is unable to provide us other details citing “confidentiality”.Is this fair to customers that is now no longer valuable but a liability to Prudential?

13) We bought a policy with many riders to protect ourselves, when we meet the claim events and Prudential raised the threshold of paying out, should my family accept it as bad luck on our side?

14) I was requested to submit a mandatory financial status report on my income for the past years, is this fair that they do not ask this when we are buying a policy but then make it mandatory when we need a claim?

15) We had purchased additional provisional disability benefit but Prudential reject as doctors were unable to diagnose her medical problem. Does this rejection means all her riders and main policy can be considered as useless since nothing is payable?

16) My mother is disabled, forced to use a wheelchair, the medical reports by professionals are overwhelming in favour that the disability resulted from the concussion by the accidental fall, yet Prudential can reject it because causes of the medical condition is not certain. Using the insurer's own terms, are we consumers protected?

It is frightening that Prudential can reject my mother's claims because the doctors are unable to diagnose and treat her. I have no idea that they based their insurance on a perfect world where every medical condition and every medical treatment is confirmed and guaranteed in black and white in some medical, or should I say, insurance text book.

As everyone needs insurance, it frightens me that the insurer can use their own terms and conditions to reject a claim because a medical condition is not certain despite the victim  being wheelchair bounded. What are our rights as consumers?

It is really frightening that insurance agents keep telling us how important it is to buy insurance, but when we really need to pay our medical bills, they do their utmost best NOT to pay out.

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tiredgirl

Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #1 on: November 17, 2015, 08:17:44 pm »
Long story summarised

My mother in a wheelchair from an accidental fall, but Prudential refuses to pay because doctor states she is unable to use her limbs from the concussion that arose from the accident, but do not know why. Hence, don't know why = don't want to pay.  :(

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Iridiot

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #2 on: November 17, 2015, 09:16:44 pm »
seek a second or third medical opinion
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MistralAstra

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #3 on: November 17, 2015, 11:13:02 pm »
and top that up with MP + CASE letter
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beaverjuice

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #4 on: November 17, 2015, 11:41:07 pm »
If you have a bona fide case, you can try FIRDeC

http://www.gia.org.sg/public_firdec.php

this should be your first stop ....
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."

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MistralAstra

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #5 on: November 18, 2015, 12:30:58 am »
If you have a bona fide case, you can try FIRDeC

http://www.gia.org.sg/public_firdec.php

this should be your first stop ....

well, going to mp is dual purpose aside from the "letter", that you are likely to really end up getting decent help such as coupon/voucher or have a social worker to follow up. Not everyone is savvy with all the T&C in fine print or understand legal parameters
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beaverjuice

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #6 on: November 18, 2015, 07:55:16 am »
well, going to mp is dual purpose aside from the "letter", that you are likely to really end up getting decent help such as coupon/voucher or have a social worker to follow up. Not everyone is savvy with all the T&C in fine print or understand legal parameters
*hiaz* - i guess you're right, gotta make MPs do their work ...  :-X
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little hippo

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #7 on: November 18, 2015, 09:33:18 am »
from what i know (i'm not insurance agent), cannot walk and need to use wheelchair does not count as disable. disable is more like you lose your limps or eyes, or cannot hear. unless you bought the rider (which i did but i cannot remember the name of the rider) is for cannot work due to injuries, will pay $100 per day. but if your mum didn't work, then also cannot claim i think...

most importantly must choose the correct agent. if see the agent duno his/her stuffs, still buy from him/her then quite risky.. also you really need to understand what you are buying too.

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beaverjuice

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #8 on: November 18, 2015, 11:30:21 am »
from what i know (i'm not insurance agent), cannot walk and need to use wheelchair does not count as disable. disable is more like you lose your limps or eyes, or cannot hear. unless you bought the rider (which i did but i cannot remember the name of the rider) is for cannot work due to injuries, will pay $100 per day. but if your mum didn't work, then also cannot claim i think...

most importantly must choose the correct agent. if see the agent duno his/her stuffs, still buy from him/her then quite risky.. also you really need to understand what you are buying too.
I wonder if TS's mother de disability is permanent or temporary?  she mentioned 6 months

so if Prudential sold her one that covers only permanent disability, then she has no case bah? ???

anyways,  how come suddenly all the insurance agents disappeared???????:o
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."

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tiredgirl

Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #9 on: November 19, 2015, 12:20:56 am »
I wonder if TS's mother de disability is permanent or temporary?  she mentioned 6 months

so if Prudential sold her one that covers only permanent disability, then she has no case bah? ???

anyways,  how come suddenly all the insurance agents disappeared???????:o

she bought riders, and we checked, disability does not mean must lose ur limbs completely. losing the function of using your limb counts as well.
in fact, if it is proven you cannot work, it is considered disability as well.

prudential is not contesting the disability.
my mom lost the use of her limbs, which is certified by doctor. prudential is just arguing over the reason why she is disabled.

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beaverjuice

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #10 on: November 19, 2015, 08:59:28 am »
she bought riders, and we checked, disability does not mean must lose ur limbs completely. losing the function of using your limb counts as well.
in fact, if it is proven you cannot work, it is considered disability as well.

prudential is not contesting the disability.
my mom lost the use of her limbs, which is certified by doctor. prudential is just arguing over the reason why she is disabled.

And the reason was? ???

Initially you mentioned that "Prudential's rejection of disability." - so we thought they were rejecting on the basis that her disability fell outside their definition for claims.

How did your mother get disabled?
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little hippo

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #11 on: November 19, 2015, 09:46:03 am »
I wonder if TS's mother de disability is permanent or temporary?  she mentioned 6 months

so if Prudential sold her one that covers only permanent disability, then she has no case bah? ???

anyways,  how come suddenly all the insurance agents disappeared???????:o

ya...so far i only heard before permanent disability can claim...

you want to know single lau chio insurance agent? i can introduce to you. atas one. handbag also prada, got car, got house.

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beaverjuice

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #12 on: November 19, 2015, 11:25:59 am »
ya...so far i only heard before permanent disability can claim...

you want to know single lau chio insurance agent? i can introduce to you. atas one. handbag also prada, got car, got house.

sounds yummy ..... but I am uninsurable liao .... :'( ....

but if she okay, I okay de .....
"A man who has depths in his shame meets his destiny and his delicate decisions upon paths which few ever reach."

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little hippo

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #13 on: November 19, 2015, 01:07:09 pm »
sounds yummy ..... but I am uninsurable liao .... :'( ....

but if she okay, I okay de .....

chey...prudential dun only sell insurance one ma.. got investment also

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beaverjuice

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Re: Forced on a wheelchair for half a year, but Prudential refuses to pay!
« Reply #14 on: November 19, 2015, 01:37:14 pm »
chey...prudential dun only sell insurance one ma.. got investment also

you know I will never buy ILPs because they are a "con" job de mah .....  :-[

I will hoot VHYD.LSE big big instead .....  :-X
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