- This topic is empty.
-
Posts
-
It’s another thing that your company can negotiate or pay an extra premium to cover. I’m with BUPA now and on my current policy they will cover pre-existing conditions (with a few exceptions I think – HIV for example.)
I’ve used MSH with two different employers, and boy were they worlds apart. My current MSH insurance package covers way more, including coverage for expat clinics (Parkway health, etc.) as well as full dental.
No complaints so far about service, and I’ve done both in-network and out-of-network services. Guess it all just depends, just like everything else in China?
As others have mentioned, MSH has to be one of the worst insurance companies out there.
I spent over 5 years in the insurance business (literally writing policy and rules, etc). and can say without reservation I would never recommend MSH. MSH is denying a necessary MRI based on a trumped up non-existent preexisting condition because it does not wish to pay the claim.
We have spoken to several doctors and people in other claims departments who can only shake their head.
Shame on MSH and shame on the American Chamber of Commerce for choosing this insurance company.
I came in Shanghai in 2008 as a teacher at a local high school.
While teaching, i learned a lot about asian culture and various chinese-isms. But one of my most memorable experiences was a time when i sprained my ankle playing ultimate frisbee and was sent to the school doctor (who i was told spoke excellent English). This was my first and ONLY time going to a doctor trained in Chinese Medicine. I told him my situation and with an unlit cigarette in his mouth, he grabbed some iodine and rubbed it on my ankle (IODINE is a disinfectant!! How is that supposed to help a broken bone?!) then he wrapped my leg loosely in a cheap bandage.
A friend of mine, DC, had a similar experience with the same doctor. DC had cut his knee pretty badly and obviously needed stitches. He figured he would see the free campus doctor before forking over money to a hospital. As DC tells it, the doctor was smoking the entire time, did a terrible cleaning job and dressed the would poorly then said “OK!!!” When DC asked, “Well what about tomorrow when the wound needs another dressing?” The doctor only laughed and replied, “But tomorrow is SATURDAY!”
So one of the MANY things my first job exposed to me was Chinese Medical practices. Personally, i just don’t trust it even though my roommate swears to her prescription of herbal medicines. I guess herbs are ok, but when it comes to dressing wounds, stitches, or anything where blood is involved, I will head to a western-educated doctor. Am I wrong in doing this? Are there actually really awesome Chinese medicine doctors out there?
My first job in Shanghai was GM of a big multinational company. That was many many years ago. I moved on a lot since then.
- You must be logged in to reply to this topic.
