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What are some private health insurance horror stories?

2024-11-18 18:58
2 answers

I've heard of a case where the private health insurance company suddenly dropped a family's coverage without proper notice. The family had been paying their premiums regularly. It turned out that there was some small administrative error on the part of the insurance company, but they didn't bother to fix it and just cancelled the policy. As a result, the family was left with a huge medical bill when one of their members got seriously ill.

One horror story is when the insurance company finds any tiny pre - existing condition to deny a major claim. For example, a person had a minor skin rash years ago that they didn't even think was relevant. But when they got diagnosed with a serious autoimmune disease later, the insurance company used that old skin rash as a pre - existing condition to reject covering the costly treatment.

Immortality Martial Arts: I Started with the Five Animals Health Fist

Immortality Martial Arts: I Started with the Five Animals Health Fist

Upon awakening, Su Changkong found himself transmigrated to a world thrown into chaos by war and rampaged by demon monsters, where his martial arts talent was mediocre. However, Su Changkong discovered that as long as his own "life span" increased, his talents and potential could also be "limitlessly" enhanced! Cultivating the Health-preserving Fist technique and practicing the qi of longevity! The path to immortality is littered with corpses, and Su Changkong embarked on a Martial Arts path where he would not perish, even if heaven and earth were to be annihilated!
Not enough ratings
1077 Chs
Reborn in the Seventies: Pampered Wife, Owning some Farmland

Reborn in the Seventies: Pampered Wife, Owning some Farmland

The new book is out! Meng Yunhan has been reincarnated back to the time of 'food coupon era', a time when people struggled with food and clothe shortages. But she is not afraid this time around. Equipped with a 'cheat code', she is ready not only to start her own business but also to grab a hold of her stoned-face brother and even support Baozi, her child. Stoned-face brother: "Wife, let's pack up Baozi and leave!" He claims that having a son who is even clingier to his wife than himself is utterly shameless! "Mommy, let's get a new daddy!" Baozi suggests. His daddy, a grown man, is still so clingy to mommy. How disgraceful! Meng Yunhan sighs: They are indeed father and son.
3.5
1037 Chs
My CEO Husband Has Some Issues

My CEO Husband Has Some Issues

"My pants are already off. Stopping now would be a bit redundant, don't you think?" Everyone knew the cool, aristocratic Chairman Li was sick, but only Rong Yan knew the man was problematic and sick in the head. That day, she was accosted at the bedroom entrance. Long arms held her against her will as the man leaned into her ear and whispered, "Marry me." Rong Yan struggled to no avail. Frustrated, she said, "I have a boyfriend of five years." "You mean my son is your boyfriend?" For her baby boy, she was willing to secretly marry this billionaire chairman. From then on, he held the knife for her kills, and poured the gasoline as she set fires. Everyone knew the chairman was possessive and paranoid—and Rong Yan was his bottom line. The five-year-old Li Duidui was at a loss. When Daddy and Mommy fought, was he supposed to help clear up the misunderstanding or close the door on them...
4.8
981 Chs
Why Do All These Monsters Have Health Bars?

Why Do All These Monsters Have Health Bars?

Li Jing had transmigrated, finding himself in a modern world where everyone practiced cultivation. Everything here relied on the Spiritual Qi obtained from personal cultivation. Without family or money, and utterly clueless about how to cultivate, life was extremely difficult. However, things changed when Li Jing walked into a Soul Chicken Store and discovered that he could see the health bars of the spirit chickens... (The worldview in this story is completely fictional, so do take it with a grain of salt.)
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769 Chs
Bringing some shocking pranks to the Cultivation World

Bringing some shocking pranks to the Cultivation World

Interviewer: "Immortal Zhou Li, could you tell us why you created the orthodox methods and forged the twelve righteous paths, condensing twelve talismans to resolve ancient and modern disputes?" "Just to liven things up." Interviewer: "Well, I mean, did you reorganize the Great Ming Dynasty and plant the Seven Immortal Gourds based on the laws of myriad spirits, brewing the Spring of Spirit Qi for the glory of mankind or...?" "Just to really liven things up." Interviewer: "No, Immortal Zhou Li, I feel that you've done so much for humanity, for the Immortal Realm, and for Da Ming. Your purpose and starting point should be a bit more noble, such as...?" "Enough already, can't you see? I just wanted to bring some entertainment to the spiritually impoverished Great Ming Dynasty and everyone in the Cultivation World. Here, let's liven things up for everyone." The white-robed immortal pointed a finger, and alongside him, a chaotic and ferocious Ancient God swung indescribable and bizarre tendrils. Then, with a surge forward followed by a backflip, it landed stylishly, all the while muttering the delirious ramblings of an Ancient God. 【Damn, let's go, ignore it!】 "No fun? Who would cultivate without any fun?"
Not enough ratings
732 Chs
Two-Faced Husband, Have Some Decency!

Two-Faced Husband, Have Some Decency!

Song Yu, an up and coming architect was supposed to be the fiancée to the second son of the Qi Family... until her family went bankrupt. The engagement was called off and she finally has the freedom to love whoever she wants to! Years later, a twist of fate made her cross paths with the Qi family again. In order to land a prestigious architect role in an upcoming hotel construction project, she had to impress the director of Qilin. Follow Song Yu as she navigates through life and love!
4.5
537 Chs

What are some 'no health insurance horror stories'?

1 answer
2024-11-19 06:46

A young adult had a sudden appendix attack. Since they had no health insurance, they hesitated to go to the hospital at first. By the time they finally did, the appendix had ruptured, leading to a much more serious and life - threatening condition. The cost of the extended hospital stay and complex treatment was astronomical, and they were left in a cycle of debt trying to pay it off.

Can you share more about private health insurance horror stories?

1 answer
2024-11-19 01:24

Another horror story is about a woman who had maternity coverage with her private health insurance. However, when she had some complications during pregnancy, the insurance company started arguing about what was actually covered. They tried to classify some of the necessary tests and procedures as 'experimental' or 'not medically necessary' just to avoid paying. It was a very stressful time for the woman, and she had to fight hard to get the proper care covered.

What are some short term health insurance horror stories?

3 answers
2024-12-14 21:55

One horror story is when the insurer suddenly dropped coverage just when a person needed it most for an ongoing medical treatment. They found some small 'pre - existing condition' excuse that was not clearly defined before. It left the patient with a huge bill and no way to pay for the necessary care.

Can you share some health insurance horror stories?

1 answer
2024-11-17 05:23

Yes. There was a man who paid his health insurance premiums religiously for years. When he was diagnosed with a serious disease, the insurance company started to delay the approval of his treatments. They asked for endless paperwork and second opinions. By the time they finally approved some of the treatments, his condition had worsened significantly. Also, a family thought they had comprehensive coverage for their children's dental work. But when their child needed braces, the insurance company said it was a 'cosmetic' procedure and not covered, even though the dentist said it was also for proper dental alignment.

Travel Health Insurance Horror Stories: What Are Some Common Ones?

3 answers
2024-11-18 01:00

One common horror story is when the insurance company finds a loophole to deny a claim. For example, a traveler got sick overseas and the insurance said it was a pre - existing condition even though it wasn't. Another is slow processing of claims. A person had to pay out - of - pocket for emergency treatment and it took months for the insurance to reimburse, causing financial stress. And some insurers limit the coverage for certain expensive treatments, leaving travelers with huge bills.

What are the most common types of health insurance horror stories?

1 answer
2024-11-17 01:01

Well, there are several common horror stories. Insurance companies may not cover pre - existing conditions properly. They might put so many restrictions on the coverage that it's almost useless. Then there's the issue of hidden fees. A person might think they have a good deal on their insurance, but then find out about all these extra fees that they weren't aware of before. Also, miscommunication between the insurance company and the healthcare provider can lead to problems. For example, the insurance company might not pay for a service because they claim the provider didn't follow the proper procedures, but the provider says they did everything right.

Can you share 'no health insurance horror stories'?

1 answer
2024-11-19 10:20

There was an elderly person who had a heart condition. Without insurance, they couldn't afford the recommended cardiac rehabilitation program. They were constantly in and out of the hospital with recurring problems. Their quality of life deteriorated significantly, and they were always worried about the next medical bill they couldn't afford.

How Can Travelers Avoid Travel Health Insurance Horror Stories?

1 answer
2024-11-18 03:57

Travelers can avoid horror stories by being honest when applying for the insurance. Disclose any pre - existing conditions accurately. This way, there won't be surprises later when making a claim. Another important step is to communicate clearly with the insurance agent. Ask questions about what is and isn't covered. For instance, ask about coverage for prescription drugs abroad. And keep all the documents related to the policy and your medical history. In case of a claim, you'll have everything you need.

Can you share examples of short term health insurance horror stories?

2 answers
2024-12-13 01:51

Another example is that many short - term health insurance policies have very limited mental health coverage. A young woman was struggling with depression and sought help. But her short - term insurance only covered a very small fraction of the therapy sessions she needed. She couldn't afford the rest on her own and her mental health deteriorated as a result. This shows how short - term health insurance can be a real disappointment in crucial areas of healthcare.

What are the common themes in sad health insurance stories?

2 answers
2024-12-14 00:00

Denial of claims is a common theme. Insurance companies often find reasons to deny covering certain treatments or procedures, leaving patients in a lurch.

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