问个保险理赔的问题。我2006年12月政府医院做过鼻内窥镜检查，医生检查说没问题，让我三个月后再检查。我要求做个CT，医生拒绝，说是医院资源有限。后来头痛症状自己消失。所以也就没管，没有再去检查。
2007年5月1日 Incomeshield Enhanced Preferred with Plus rider 生效。
2008年3月做鼻窦炎手术。
2008年5月理赔被拒。理由是我2006年的那次检查。说我是pre-existing illness.
我感觉不合理，当时医生下结论我没问题，现在保险公司调查又说我有问题。
大家说我应该怎样上诉？我想先自己了解下再和保险经纪商量。因为上次我问过自己保险经纪，他说他只能帮我写封信，说我事先不知情。能否赔偿，他也不知道。
理赔
1，Before 2006/12, are u singapore PR?
2, If you are, this condition should be covered in CPF shield plan, which will intregated into Incomeshield plan also. Claim should be no problem;
3, If not, please go and check your Incomeshield plan contract to see what is the defination of pre-existing condition; Is you situation meet the defination?
4, The main point is whether doctor can approve that you're ok before 1/5/2007 or they can't find any clue you have such kind of pre-existing condition. (But you don't go back and check again, so the claim became difficult.)
Any question, you can sent me an email: jackyfengbin@yahoo.com
2, If you are, this condition should be covered in CPF shield plan, which will intregated into Incomeshield plan also. Claim should be no problem;
3, If not, please go and check your Incomeshield plan contract to see what is the defination of pre-existing condition; Is you situation meet the defination?
4, The main point is whether doctor can approve that you're ok before 1/5/2007 or they can't find any clue you have such kind of pre-existing condition. (But you don't go back and check again, so the claim became difficult.)
Any question, you can sent me an email: jackyfengbin@yahoo.com
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