續・天敵（四）之保險佬

做一次手術可以 claim 返十幾萬醫保（見《自願私家醫保》），即係差唔多成１０年保費（如果唔加價的話），算死草的保險公司又點會咁順攤呢？梗係要雞蛋裡提吓骨頭，留難吓個客架喇！

由於魔術師早就認定保險佬係天敵之一（見舊文《搬屋紀事（四）之邪惡十字軍暨天敵（四）之保險佬》），所以唔介意同佢地玩嘢。魔術師以前都講過，基本上 claim 保險都係玩文件遊戲，所以魔術師就先電郵再打電話去保險公司問清楚，究竟佢地需要的藥品 breakdown 究竟是何所指？

Recently I have received a letter "Request for claims information" from you.  It is said that
"Please provide the detailed drug list breakdown (including the drug name, dosage and charges)".
I have reviewed the statement of account issued by ST. Teresa's Hospital.  There are two lines about "drugs"
Line 1: 13-04-18 Medicine/Injection $555
Line 2: 14-04-18 Medicine/Injection $323
May I know which line of detail breakdown you are requesting for?
For Line 1, I am not sure which medicine it is referring to.  I have taken medicine before the operation.
For Line 2, the medication is already described in the Discharge Summary.  Is it sufficient?
Please let me know which line of detail you are requesting and I will try my best to find out.
Worst comes to worst, if I cannot find out the medication details, could I waive the part for medication and ask for claims for the rest of the statement?
Scanned images of the related documents are attached for your easier reference.

保險公司的客服馬上就回答，就算出院紙（discharge summary）上有寫藥名，但依然需要魔術師詳細列出呢兩日用過的藥名、劑量、和價錢；同埋，因為藥物係整份索償文件的一部份，就算魔術師想唔 claim 嗰幾百蚊藥費都唔得...
「咁即係你地用幾百蚊藥費來 hold 住我10幾萬喇！」保險公司的呢種呢種「槓桿」手法，終極目的其實想點，真係路人皆見。
「我地唔係話唔賠，只係要齊文件啫！你去問下法國醫院喇！佢地係會提供藥單的。我地好多客人都可以 claim 到。」

Thank you for your email.
Please be advised that the infromation stated on the discharge summary and hospital invoice is only summary of medication consumed. Details of drug list with break down (include but not limited to drug name, dosage and charges of each item) is required for our further process the claim.

Claim 唔 claim 到係一回事，是否立心不良又係另一回事：依佢地咁講法，魔術師份晚餐都係「索償的一部份」，真係「當晚食乜餸」都要知道。好在，私營醫院乜都有得申請，可以用錢解決的便不是問題了：

（圖片來源：聖德肋撒醫院服務收費，retrieved on 9 May 2018）

好似魔術師咁，習慣 keep 哂所有文件、單據、同副本的（多謝阿媽教落！），做人有條理，頭腦又清醒，極度 attentive to details 嘅，當然唔怕同佢玩；之不過如果係老人家、弱勢社群、又或者係做人不嬲烏 sir sir 的港豬大眾，就隨時俾保險公司玩死。所以呢，如果話自願醫保係要公眾向私營保險公司買保單的話，真係可以預咗大把「你呃人」的投訴，販民又有機會為民請罪，鬧爆正苦都得了。
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伸延閱讀：
自願私家醫保
搬屋紀事（四）之邪惡十字軍暨天敵（四）之保險佬