Just to share my experience. As maybe this post can help others, especially those who never tried to claim through company’s insurance for surgery.
Main thing you need to get to ensure that you don’t have to pay, and the insurance will pay instead. Anyway here are the main steps;
Check with the insurance and HR, just to confirm if the insurance will cover your case.
Go to local clinic to get the referral letter, to see the specialist.
To get the guarantee letter, first you need to fax or email the referral letter to your insurance company.
Make sure you also provide the important details such as – your name, your contact, the clinic & doctor that you went to get the referral letter, and also the specialist clinic & hospital you are going to visit. It is still OK if you do not know which specialist, as the insurance can help to find and assign it for you.
Go see the specialist, so they can check and diagnose your condition.
The specialist clinic will generate the reports and details for the hospital to proceed with your surgery registration. From my experience, the hospital will help in submitting application for the surgery’s guarantee letter.
Note: Each process or visit needs a different guarantee letter. Example: you will need one GL for specialist visit, another one different GL for surgery, another one different GL for any follow-ups with the specialist… etc.
Make sure your guarantee letter has been approved before proceeding with the surgery. Else, the hospital will easily request for hundreds of ringgit for admission fees.
If there is some problem arises, or your request for guarantee letter is being rejected, please contact your agent or HR representative to help you talk to the insurance’s representative.
Assalamualaikum :) Syukur towards Allah we are able to meet and experience Ramadhan, the month full barakah again! May this month be another month full of good transformation for all of us, insyaAllah.
Daripada Abu Hurairah RA bahawa Nabi SAW bersabda: Sesiapa yang berpuasa Ramadhan kerana iman dan ketaatan kepada Allah, serta mengharapkan keredhaannya, akan diampunkan semua dosanya yang telah lepas.
(Hadith Riwayat al-Bukhari dan Muslim)
Huraian Hadith:
Orang yang berpuasa di bulan Ramadhan dengan ikhlas serta mengharapkan keredhaan Allah SWT akan diampunkan segala dosa-dosa kecilnya.
Ramadhan merupakan bulan yang paling mulia di dalam Islam kerana bulan ini Allah SWT menurunkan al-Quran al-Karim, berlakunya malam “Lailatulqadar” dimana malam tersebut lebih mulia dan berkat daripada seribu bulan.
Doa orang yang berpuasa tidak akan ditolak oleh Allah SWT sehinggalah ia berbuka, oleh itu hendaklah mereka yang berpuasa memperbanyakkan doa demi kebaikan hidup mereka di dunia dan juga di akhirat.
Yesterday I restrained myself from going to mall to avoid any dangerous act of wasting money a.k.a shopping. I was so proud of myself cause I have succeeded and went straight home. But sadly, I have failed miserably today. Today I went to watch Batman vs Superman movie with my office’s “movie gang” at Times Square. After the movie, on my way to the car park, I passed by “The Face Shop” store and saw the aloe vera gel stack, and thought – “Ohhh yea, I’ve been wanting to buy ONE”. So I picked that item and on my way to the counter which is only a few steps away, I saw a lip tint, and thought – “Ohhh the price is just nice so I should just grab one”. Then, a few of the Ohhh’s happened and I ended up buying 4 items instead -_-;
This has happened a few times already this year. Which is starting to worry me. I must admit, at times (or many many times), I shouldn’t think too much. This is like a self-reward, right? But if it is, why am I feeling guilty?? Then I tried to google a bit, and found some articles about the type of shoppers;
