By Lynn Rasul

I REFER to the report "She has 3 policies but no coverage" (The New Paper, Aug31).

My family is covered by one insurance company and we pay a substantial sum of almost $700 per month.

Our insurance agent, who has since left the company, recommended that we get a hospitalisation and surgery policy for me and my daughter just in case anything happened.

He explained some of what was covered by our plan, but despite his zeal to sell the policies, there was still a certain lack of clarity and transparency.

He did mention that the plan would cover hospitalisation and surgery.

The policy was bought in January and in June, I had to be hospitalised due to an unexpected complication from the delivery of my baby.

I needed emergency surgery to save my life after I lost a lot of blood. I was in the intensive care unit and treated as a special-case patient.

After I was discharged with a five-figure bill to pay, I remembered that I had this policy. So I immediately set about making a claim.

Now, I have been told that my claim has been rejected because the plan I bought does not cover payments related to deliveries.

My new agent, from the same insurance company, recently explained to me that it has a separate plan that covers pregnancy. I was not told this when I was buying the policies.

I am filing an appeal.

I feel, at this rate, you have to keep buying different policies to cover yourself from top to toe.

Why can't insurance companies offer extensive coverage in one policy, instead of making consumers spend more to buy many different policies?

Thank you for the article and highlighting this issue.