The easiest way for insurance company to deny claims is by saying we didn't received your supporting documents. DELAY
After you try to resend, the next excuse is we need a breakdown of the medical SERVICES. DENY
After you tried to get all the items listed, the last excuse is sorry sir, this and this and that cannot CLAIM. DEFEND
I kana this kind before with AIA Co broker - same sequence of DELAY DENY DEGEND.
I HAVE NO BALLS TO SHOOT SO I ONLY CAN GAN
SOME PEOPLE I KNOW WILL STOP AT THE STEP 1 AS THEY ARE LAZY TO RESEND OR SOME OF THEM TOLD ME THEY NEED TO PAY SOME FEES TO THE HOSPITAL TO GET ANOTHER COPY OF THE MEDICAL BILLS SO THEY STOP THERE.