Experience with
\nAllianz Insurance<\/p>\n
On Dec. 12, 2002, I visited a physician at the Omni Medical
\nCenter, one of the hospitals in Jakarta registered as a member of
\nthe Allianz Health Insurance network, for help with an annoying
\npain around my \"twelfth thoracic vertebrae\". After the usual
\nphysical examination, the doctor gave me a prescription for
\nmedicine that cost Rp 127,750.<\/p>\n
To my surprise, Allianz refused to cover the cost of the
\nmedicine because the medicine, called Zinaxin High Strength,
\ncontains \"ginger extract\", which according to Allianz falls under
\nthe classification of \"food supplement\". Allianz employees Dewi
\nKurnia and Dr. E Iken Lubis said that this kind of medicine was
\nexcluded from coverage by Allianz Health Insurance.<\/p>\n
Because I am not a medical expert, I did not know that Zinaxin
\nHigh Strength was classified as a \"food supplement\". What I do
\nknow is that I was in pain, so I went to a doctor and medical
\ncenter included on the list of hospital network members of
\nAllianz.<\/p>\n
Allianz strengthened its argument by citing article nine of
\nthe policy contract: \"Disease\/illness and\/or health care and\/or
\nexpenses\/cost excluded by this Policy are: Experimental services
\nor medicines not yet approved by the Department of Health of the
\nRepublic of Indonesia through the Directorate General for Drugs
\nand Food Supervision, including traditional medical treatments
\nand acupuncture.\"<\/p>\n
But, as far as I remember, Allianz has never disclosed in
\ndetail the list of medicines covered by the policy. In fact, I
\nfelt better and my pain gradually diminished after taking the
\nZinaxin High Strength. Why then should I use another medicine
\nthat might upset my stomach or have other possible side effects
\nwhen Zinaxin High Strength can empirically take care of my pain?<\/p>\n
BENNY SUDJATI
\nJakarta<\/p>",
"url": "https:\/\/jawawa.id\/newsitem\/experience-with-1447899208",
"image": ""
},
"sponsor": "Okusi Associates",
"sponsor_url": "https:\/\/okusiassociates.com"
}