How to claim ur insurance $$$

Below i what i have "cut and pasted" from the email circulated within RH. It is stated do not circulate outside RH... don't know y.

Dear all

Lately, I attended to a few casualties in the hall. I realize that some students are not aware that they have accident insurance policies (automatically bought for them when they matriculated). I would like to explain the policy further. Please do not circulate this email outside of Raffles Hall.

The insurance underwriter is AIG. It covers accidents and NOT acute sudden illnesses like acute appendicitis, acute asthmatic attack (for medical emergencies, there is a different insurance cover).

In case of accidents resulting in death and permanent disability, the cover is $15,000. It is wise to inform your family members/friends of the existence of such a policy. If you die during an accident (touch wood), your loved ones can still get some money ($15,000).

In case of other accidents, the cover is $4000 for medical expenses incurred per student per year. By per year, I am referring to one year from the time of injury up to its first anniversary or upon graduation.

The cover is worldwide. E.g. if you injured yourself while on vacation in Hong Kong, you can still submit a claim.

The $4000 cover is cumulative, meaning that if the student claims $2000 for one injury, he/she can still claim the remaining $2000 (up to $4000) for other injuries in that year.

The insurance claim forms must be submitted within 21 days from the time of injury. If you submit later, there is no guarantee that your claims will be honored.

I have some claim forms (Personal Accident Forms) with me. You can obtain the forms from me either in the hall or in the clinic. You need only to fill in one form, with full description of the injury.

For this accident policy, the insurance covers everything, including hospitalization - there is no co-payment on your part (unless you exceed the $4000 limit).

If you are warded, you can opt for subsidized or private rates, with the implication that if you opt for subsidized rates, you will have more money left for future claims in the year.

All bills must be fully paid before sending in the claim. E.g. if you need to have x-ray at my clinic for an ankle sprain, you must pay for the x-ray first and then attach the bills to the claim form. Likewise, you may also need to attach the hospital bills, outpatient bills, etc. together with your claim form.

When you are admitted, foreign students can arrange for a letter of guarantee to be sent to the hospital. For local students, they can use medisave (parent's medisave) to settle the bill first.

The guarantee form can be faxed over to the ward or you can send your friend to our clinic to get the letter of guarantee.

When you go to the hospital, please bring along your Singapore IC or FIN card. There is no need to show your matriculation card.

If you are admitted, kindly inform your Hall RF/Hall Master.

I hope the above clarify some of the issues relating to medical claims relating to accidents.