Claim Service Centre         Filing Claim on : Life & Health Motor General

:: Service Code   :: Service Quality   :: Practice   :: Forms   :: Stories   :: Summary

[Archive of stories]

Document Date: January 2006

Topic : Human Interest story: insurance claim - for NTUC May Day
Contributed by Tan Kin Lian (CEO, Gen Mgt), on 07 Apr 07:43 AM

Mdm Ang (not her real name), aged 39, was diagnosed with ovarian cancer in September 2003. She submitted a claim under her Living policy which covers cancer and 29 other diseases. Her medical report revealed her condition to be carcinoma-in-situ.

Carcinoma-in-situ is cancer in the very earliest stage. At this point, the cancer is quite small and has not invaded he tissues surrounding it. This condition is easy to cure and have been specifically excluded under the policy. It is a standard exclusion that applies to similar policies across the insurance industry.

As Mdm Ang's condition is excluded, the claim was not admissible. However, she had undergone a painful operation to remove her womb under her doctor's advice. This experience proved to be very traumatic for her.

NTUC Income decided to take a compassionate stand. As Mdm Ang had incurred a substantial medical bill for her operation, we decided to offer an ex-gratia payout of 50 percent. Her policy will continue with the remaining fifty percent of the original coverage. We intend that this payment will go some way to ease her financial burden.

Indeed, Mdm Ang was very happy and glad to receive our offer. She said that NTUC Income has a big heart and that this amount will surely help her to tide over this difficult period. We are glad that we have been able to make a difference to Mdm Ang's life.

After all, is this not what insurance is for?