It S 25k

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THIS IS NOT AN ADVERTISEMENT. THIS IS A LITTLE PIECE OF ADVICE BASED ON MY OWN EXPERIENCE. 
- - - - - - - - - - - - - - - - - - -After waking up from an afternoon nap on last Saturday, the pain at my back-left worsened. It started to feel more pain on the day before but I just ignore, hoping it will go away soon. But as it became unbearable, I quickly checked-in at the nearest private hospital (because I can’t find any government hospital nearby). 
The M.O started to examine, did blood test, urine test and X-ray then found out I had a UTI (which is normal for women). Dr. Oncall had been notified, he came and did further check-up and then, I got myself warded. And of course, it was after getting a GL from my company insurance. I know I wouldn’t have enough money to pay the bills by my own pocket. Pfft!
The next day, I did a CT scan and later the Doc detected I had an inflamed appendix. OMG I never expected that! And surgery needed to be done ASAP. *crying inside* 
At 10pm, I was wheeled to the OT. I remember that I was shivering because I felt very nervous and the AC was too cold. The anaesthetist gave injections (sakit gila namati) before I totally unconscious. The moment I awake, it was after 12am. Alhamdulillah the surgery went well. But I can’t sleep the whole night because it was damn painful 😣 
To cut the story short, I was hospitalised for 4 nights. On the discharge day, after a nurse told my bill was ready, I happily went down to collect it and excited to go home soon. Yeay! 
At the counter, the guy showed the documents and I was shocked to see the total bill is 25k!!! OMG medical expenses are getting more and more expensive. And the more shocking was, the company insurance only cover 6k!!! OMG can you imagine??!! How to find another 19k?? Ya Allah, rasa gelabah masa tu! I called the insurance company and asked why this why that and all he said was, there are some sub claim t&c and this is written in the policy. OMG help me!! 😩
When I realised that nothing can be done, I took out my Prudential card and asked them to re-apply. It was already 3pm at that time, I headed back to my bed and waited patiently. Not really patience because I can’t remain calm. There’s still a possibility that Prudential can reject and refuse to pay. My heart was beating fast. I tried to sleep but I can’t clear my mind. I tried to be optimistic but there’s doubt inside. I can’t eat because I was too anxious. Until 8pm, there’s still no news. 
OMG. I could die of waiting. 
Finally at 9pm, a nurse asked me to go to the counter to get my bill. I walked down nervously and counted a prayer on every steps I took. When I reached the counter, they were quite busy so I had to wait a while. Once a guy took a seat, I quickly asked “is everything covered”? He glanced over the documents and said, “YES.” Prudential covered ALL! Ya Allah!!  I was so relieved, syukur Alhamdulillah. 
At last, I can go back home and have a nice sleep again. - - - - - - - - - - - - - - - - - - -
The company insurance is always shitty and unreliable. There are many chances that we were given no choice but end-up in a private hospital. So, we must be ready at anytime. 
My advice is - go get yourself a personal medical card! 

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