One of the most common grievances about the insurance industry is that it can be a nightmare trying to get your insurer to pay up. Now, what should you do if you ever find yourself in such an unfortunate situation?

Words by Seng Bingyang

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Recently, a blog post on insurance claims appeared on my Facebook newsfeed that I noticed was shared by quite a number of people.

In a nutshell, this is what the post is about:

1. A mother suffered from excessive bleeding after childbirth (post-partum haemorrhage, a pregnancy and childbirth complication), and her hospital bill came up to approximately $24,000.
2. Unfortunately, post-partum haemorrhage is not one of the complications covered under her chosen insurer’s hospital plan.
3. She felt indignant but at the same time blamed herself for not going through the terms of the policy contract.
4. She felt that she had been misled into purchasing an inadequate health ...