Gastroscopy Insurance Cover – When dealing with unexpected health concerns, understanding your insurance options is crucial. Michelle (not her real name) a lady in her 20s from Singapore, was struggling with persistent gastric pain and heartburn. After consulting a general practitioner, she received a referral for a gastroscopy, a diagnostic procedure to examine the stomach lining.
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Choice Of Public Vs Private Hospital For Gastroscopy
Michelle felt that going through the polyclinic referral system for subsidised rates at a public hospital would take too long. She considered having her gastroscopy done at a private hospital as it would allow her to choose her gastrointestinal specialist and also get an earlier appointment for the procedure. However, her Integrated Shield insurance policy was for only public hospitals and she would have had to incur a pro-ration on her insurance claim.
Michelle made the decision instead to be admitted as a private patient (A Ward) in a public hospital. This option would also allow her to choose her preferred specialist as well as get an appointment faster, compared to subsidised healthcare.
Hospital Could Not Generate Letter Of Guarantee For Gastroscopy Insurance Cover
For patients with gastroscopy insurance cover, they would be able to undergo the procedure without having to pay a deposit first if they have a Letter Of Guarantee (LOG) from the insurer. LOGs for Integrated Shield plans are typically generated by hospitals and not by the insurers, even though insurers determine eligibility. However, on the day of admission, the hospital somehow could not generate Michelle’s LOG. This added stress to an already anxious experience for Michelle.
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Michelle’s Financial Consultant Helped Confirm Her Eligibility For Gastroscopy Insurance Cover
Michelle contacted her Financial Consultant for assistance to prove her edibility for gastroscopy insurance cover. Here’s where the expertise of a financial consultant came into play. Understanding the situation, the consultant immediately liaised with the hospital’s admission department, supplying the necessary proof that the client’s policy was valid and eligible for an LOG. This direct intervention secured a waiver of the deposit, allowing the client to proceed with hassle-free admission.
The final bill for the gastroscopy and related procedures amounted to nearly $18,000.This was a substantial sum that would have been difficult to manage without proper insurance coverage. Thanks to the proactive efforts of her financial consultant, Michelle was able to focus on her health rather worry about hefty upfront costs.
This case highlights the value of engaging a dedicated and knowledgeable financial consultant who can navigate the complexities of Singapore’s healthcare financing system. Whether it’s about eligibility, hospital classifications, or procedural delays, having the right support makes all the difference.
Get Protected Before It Is Too Late
Accidents and health issues strike without warning. Be prepared with the right coverage. To ensure your insurance is working for you, speak to a trusted financial consultant today.
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Disclaimer: 365Asia aims to provide accurate and up-to-date information, our contents do not constitute medical or any professional advice. If medical advice is required, please consult a licensed healthcare professional. Patient stories are for general reading. They are based on third-party information and have not been independently verified.