Quora Answer: Is It Possible to Negotiate an Insurance Claim with an Insurer?

The following is my answer to a Quora question: “Is it possible to negotiate an insurance claim with an insurer?”

Yes, it is, within reason.  Despite what the policy contract may say, and the schedule of coverage and benefit illustration, there are a lot of things that may not be explicitly covered, because that would be impossible.  Within the Singapore context, the hospitalisation plans have a comprehensive schedule, and they eliminate ambiguity by going through panel doctors.  The recommendation of panel doctors are always covered, unless stated otherwise.

When it comes to accident plans, the claims have to be justified if they are not explicitly within the general guidelines.  Accidental death claims, however, depend on the coroner’s report, and challenging that involves a court case.  They either pay out the claim in full, or do not.  General insurance is more challenging, and it involves correspondence with the assessor.  It is not the intent of the insurer to deny a claim.  This process is to verify it and to assess the payout.  As long as you have the relevant supporting documents, your claim will likely be approved.