Re:What travel insurance really means
by otterley on Tuesday July 17, 2018 @11:49AM
(#17550501)
Expecting insurers to be magnanimous will always lead to disappointment and anger.
Unfortunately, it is a fact of life that insurers will nearly always err on the side of denying a claim if they can find an excuse to. That's why it's important to (a) read the fine print in the policies you purchase and (b) hire an attorney if you believe that you have been unfairly denied a claim.
Even if a claim is valid, insurers will also do whatever it takes to minimize their payouts. In this case, paying for transport to the UK for additional treatment would have been far cheaper than paying a Singaporean hospital for it, and so it's unsurprising that they pressured the claimant to hop on a flight instead of stay in Singapore since the injury did not contraindicate air travel (or at least there was significant disagreement as to that question).
Unfortunately, it is a fact of life that insurers will nearly always err on the side of denying a claim if they can find an excuse to. That's why it's important to (a) read the fine print in the policies you purchase and (b) hire an attorney if you believe that you have been unfairly denied a claim.
Even if a claim is valid, insurers will also do whatever it takes to minimize their payouts. In this case, paying for transport to the UK for additional treatment would have been far cheaper than paying a Singaporean hospital for it, and so it's unsurprising that they pressured the claimant to hop on a flight instead of stay in Singapore since the injury did not contraindicate air travel (or at least there was significant disagreement as to that question).