Shield claim

Dear Mr Tan,

A few months back my father went to hospital to do a post-hostpitalisation treatment of immunotherapy for bladder cancer. He is insured under Enhanced IncomeShield Policy and NTUC said that as the date of treatment exceeds 90 days from the date of hospitalisation (it was 93 days) they are not liable to pay.In fact, we got the doctor to write a letter of appeal but it was rejected. Would you know how we can appeal for this?

REPLY
Please ask the insurance company to give you a written reply for their rejection, i.e. to quote the clause from the policy about the coverage and their reason for rejection.

I believe that the policy does cover outpatient treatment for cancer. Can you see if your father's condition fits into this outpatient treatment? It is not related to the 90 day period from post-hospitalisation. I am not familiar with the exact coverage, so my remarks needs to be checked against clarification from the insurance company.