In Singapore, the pro-big-business complex and the pro-MNC complex are well established. The insurance-cum-govt cahoots have been established since 2000, but this is something new to most people.
I worked for couple years in a well known local insurance company. The standard operating procedure when we recieved an insurance claim is to investigate and look out for anything and any excuse that we can deny the claim. Makes good business sense and is best practice in insurance industry.
Insurance companies are authorised to dig up all your most personal and confidential medical records from hospitals, medical centres, polyclinics and GPs. Just spend a bit of money for the reports. So we know if you got psychiatric history at Woodbridge, or went to polyclinic for STD etc. The bigger your medical insurance claim, the more they will dig. The irony is that if you buy the expensive medical insurance, for sure they will investigate like siao when you claim, becoz you will have stayed in expensive private hospitals. If you go to Mt Elizabeth for open heart surgery and the bill is $200K, rest assured the insurance company will spend some money to dig out all your medical records from the time you born.
During my 2 years in the insurance company, I had to reject medical claims from some 10-12 people coz of some pre-existing condition. Some of the customers didn't even know they had pre-existing as they didn't feel anything. Most of them bought insurance plans for A-Class wards or private hospitals, and they kenna whacked with huge medical bills that we refused to accept.
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