Unreasonable claiming experience
Most of my claims that were within coverage (keyword: within coverage; their coverage is narrower than other insurers) from a snowboarding accident went through. However, my emergency phone bill is currently causing a lot of trouble. My phone bill showed exactly which numbers were called, and 80 USD was to FWD's emergency hotline or FWD's customer service line, which I was directed by the emergency line to call. Further, I was not offered reimbursement for calls to hospitals, which was explicitly stated to be covered ("medical facilities") in the wording their staff had sent to me when making the settlement offer. They only wanted to reimburse me 31 SGD, it was a complete slap in the face. I'm currently appealing the decision. Edit: appreciate the fair resolution of my case. Thank you.