Insurance and illness<\/p>\n
On Dec. 1, 1999 I took out a travel insurance policy with ING
\nJakarta for the period from Dec. 6, 1999 to Jan. 7, 2000.<\/p>\n
On Jan. 3, 2000, when abroad, I suddenly felt a lot of pain in
\nmy right side. I, therefore, went to a doctor on Jan. 4, who sent
\nme to a urologist because he suspected I had a kidney stone.<\/p>\n
That same day, I went to the hospital and the doctor there
\ntold me after an examination that indeed there was a kidney
\nstone. He advised me to have an immediate operation to remove the
\nstone because it was located in a dangerous place which could
\ncreate a lot of problems and pain.<\/p>\n
However, after I telephoned ING in Jakarta, they told me that
\nthe operation was not covered under my insurance policy. I
\ndecided to return to Indonesia to arrange an operation in
\nJakarta.<\/p>\n
After I came back, I claimed for the costs I incurred in
\nHolland. Surprisingly, ING was also not willing to cover these
\ncosts because they mentioned that this was a preexisting
\ncondition. I absolutely did not have any prior knowledge of this
\nkidney stone.<\/p>\n
If somebody becomes sick during an insurance period and there
\nis no prior knowledge of this sickness, it is the responsibility
\nof the insurance company to cover the costs. But ING will always
\nmention that there is preexisting knowledge, whatever the illness
\nmay be.<\/p>\n
This means that they accept a lot of money in the form of
\npremiums from customers, but the customers are not insured at
\nall.<\/p>\n
Why doesn't ING mention this practice to customers prior to
\nthe arrangement of such insurance?<\/p>\n
HANS DE GRAAF<\/p>\n
Jakarta<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/insurance-and-illness-1447893297", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }