Stiff neck

[Jman888]

Yeah. For the last 1 and 1/2 or so, every fortnight, my wife and I will go for our tcm treats.

 

Each session cost us like $150 for 2 hrs with medication

 

 

Still ok, as we get reimbursed. .haha, bought a p.a policy, which allows me to claim 2k per year..

how to claim from pa policy if no report of injury?

[Kurty]

how to claim from pa policy if no report of injury?

 

ermm...

 

Don't know how to answer you, can you please write in to [email protected]

 

P.A policy is a protection, you never know when you need it..

it works globally and 24/7..

better to buy early especially for elderly.. like my mum, 65 still can buy..

but my dad already hit 70+.. can't buy.

 

Even no injury, can also use it for TCM..

For this, as a proud Singaporean who been through NS, I don't need to elaborate or teach you

[13177]

How come personal accident policy can claims reimbursement from normal doctor? 

[Lala81]

If u are a side sleeper. u need a firm pillow. I use this charcoal pillow (dunno what's really inside) but it's really heavy (at least 1-2kg) and firm.

 

My friend also recommended to sew a small pillow to support your neck. He fills it with coarse sea salt (available in NTUC) and then heats it in microwave to put under his neck as he sleeps. Advice from his TCM. Guess can try for those guys with neckaches. It's a cheapo method of heat pack.

[BanCoe]

how to claim from pa policy if no report of injury?

Can leh ; does not have to be physical cuts - can be internal injuries. You need to get a Doctors Memo or Note stating very brief details of injury; My 1st time kenna slip disc on L3/L4  , did MRI got my sports doc to write and no problems so far; I could claim 2k within a year of accident; I got mine at 40 something ; its premium was like hardly $90 pa at that time with $2K max claim per incident ; my sons took it recently (i think the premium is like $91)  with 2K cap as all are heavy into sports but more than that sometimes any injury can happen ; like walking can slip n fall and injure or fixing something can also injure   

[Jman888]

ermm...

 

Don't know how to answer you, can you please write in to [email protected]

 

P.A policy is a protection, you never know when you need it..

it works globally and 24/7..

better to buy early especially for elderly.. like my mum, 65 still can buy..

but my dad already hit 70+.. can't buy.

 

Even no injury, can also use it for TCM..

For this, as a proud Singaporean who been through NS, I don't need to elaborate or teach you

either you bluff me or my agent bluff me. i have pa policy which include tcm, but not allowed to claim if no report of injury and have to be recognized tcm in hospital type.

[BanCoe]

either you bluff me or my agent bluff me. i have pa policy which include tcm, but not allowed to claim if no report of injury and have to be recognized tcm in hospital type.

But definetely need Note or Memo from Doctor for sure; Actually mine 1st time claim from Govt hospital about 10 years - insurance company never ask for anything; Last one I kenna 2 or 3 years back they start asking for this Note or Memo thing

I think they have become stricter of late maybe too many Claims they kenna payout ;  

[SuPerBoRed]

either you bluff me or my agent bluff me. i have pa policy which include tcm, but not allowed to claim if no report of injury and have to be recognized tcm in hospital type.

 

i think he juz trying to say chao geng in a nice way la 

[SuPerBoRed]

*deleted* dbl post 

 

Edited September 8, 2016 by SuPerBoRed

[Kurty]

either you bluff me or my agent bluff me. i have pa policy which include tcm, but not allowed to claim if no report of injury and have to be recognized tcm in hospital type.

 

time to fire your agent.

 

Let me intro you mine, I think we are only paying around 120 annually..

 

Most of the tcm in sg, as long they are registered, I don't see why we can't complain..

[Othello]

I had a very bad stiff neck in July that lasted almost a month. In the morning, it was very bad, then progressively got better during the day. 

 

REPEAT. 

 

Then late July I went KL Greenland and told the fat stocky Thai masseur about it. Wah, she gave it go (damn farking painful) ..................................... but it works !!!!! happy man

[Othello]

either you bluff me or my agent bluff me. i have pa policy which include tcm, but not allowed to claim if no report of injury and have to be recognized tcm in hospital type.

 

some insurers are very liberal under a certain claim amount (meaning show receipt good enough). Kurty one max is $150 per claim. 

 

I mentioned before in another insurance thread. Don't just go for premium, do research which insurers are more "lax" 

 

Edited September 8, 2016 by Othello