Health insurance nightmare
I’m currently having the worst experience with GIG Healthcare and I’m feeling so let down and hopeless. (I have a medical background from another country and aren’t practising so it’s even more frustrating than this is happening here).
For reference - I am on a policy as my husbands dependent and since we wanted to start trying for a kid - I went to get a routine gynac test done.
She found somethings on the USG which explains why we have been having problems conceiving the past few months and she advised certain hormonal lab tests. She also told me to visit an endocrinologist for a further opinion.
This was 5 days ago.
Today I visited the endocrinologist and he was a bit appalled that the insurance is still rejecting and resending the request back with mundane queries. So he left a supporting statement to aid the process.
Over the afternoon I’ve kept calling the insurance to speed things up and they finally tell me that “our group of consultant doctors at GIG have said that this is a pre-existing condition that you haven’t declared when you got the insurance policy this year and hence it won’t be covered”
Man - HOW CAN I DECLARE IT IF I WAS NEVER DIAGNOSED!!! (For reference - the condition under investigation is PCOS and the tests are ordered to diagnose it lol. So it still isn’t diagnosed).
(Basically they took one small element of my past medical history that I told the doctor about my symptoms and counted that symptom as evidence that the condition existed and was diagnosed before I got the policy).
HOW CONVENIENT. So basically I’m supposed to have declared every headache. Every irregular menses. Every weight gain. Every toe banging the edge of my bed ?? LMAO. If it hasn’t been diagnosed, if I’ve never been on any treatment, if I’ve never had recurring symptoms, if it’s never been a health concern until now - why should it have been declared ?
I told the agent that this is strange because you can’t expect me to declare something that I was never diagnosed with and never aware of. And he goes like “then how did you have the symptom in 2024” “why didn’t your doctor declare that you visited a physician in 2024 and was told you are fine”
After a lot of push and pull he finally said that he will “escalate it and the insurance team of doctors will look at it again and the hospital docs will have to update the medical history”
Another agent said that “you will have to make a health declaration with you insurance broker”
The tests cost nearly 10,000AED My husbands company is paying 35000AED a year for this insurance policy and we both have a 50,000AED coverage. But so much back and forth just to be covered. And it’s not like we can’t afford it - it’s more like why should we when it’s supposed to be such a “good” insurance !
A very broken system and they look for every loop hole to not have to cover what they should. Ridiculous.
If anyone has dealt with something like this and has fought it successfully, please feel free to dm me. Than you !