身体其实还好，但是平时比较紧张有事就跑去看过几次医生，检查出腰椎盘突出，还有一些问题，结果升级保险时候就exclude了挺多的，腰椎盘脊椎脊髓相关的，所有的women reproductive organs相关的器官，感觉exclude的也太多了，具体的疾病我可以理解，但是这一下子相关不相关的全部exclude了。该怎么办呢？怎么跟他们negotiate呢？ 在这家买政府住院险十来年了，也不可能换一家，现在升级私人保险就碰到这么一堆的exclusion，真是堵的慌。
---
该帖荣获当日十大第3，奖励楼主15分以及22华新币，时间：2023-06-16 22:00:01。

搜到这么一段，可以拿这些来施压吗？会有用吗？

Policyholders who feel their claims have been unfairly rejected and are unable to reach a satisfactory resolution with the insurer may file a claim for mediation or adjudication at the Financial Industry Disputes Resolution Centre (FIDReC). MOH has also established a Clinical Claims Resolution Process (CCRP) for Integrated Shield Plan claim disputes of a clinical nature, such as whether claims were unfairly rejected for medically appropriate treatment or procedures, or whether there was over-charging or over-servicing by medical practitioners.

等待速度慢，有些治疗手段也不够先进，所以想升级一下

政府医院的还是cover全部，只是私人保单不保这些