John fell ill with a fever while transiting in Singapore en route to Japan. He sought medical treatment, underwent tests that returned negative results, and was prescribed medication. After resting and with alternative flight arrangements, he continued his journey. Upon reaching Japan, his condition worsened, leading him to seek further medical attention.

Due to concerns over medical costs and language barriers, John decided, after discussing with his family, to return to Malaysia for treatment while his family continued their trip.

The insurer rejected his claim for travel curtailment, citing insufficient medical evidence from Singapore and Japan.

PENEMUAN

John sought medical treatment in both Singapore and Japan. He continued his trip after feeling better in Singapore, with no diagnosis established at that time and negative COVID-19, influenza, and dengue test results. In Japan, further testing also returned negative results.

John expressed concerns about medical costs and language barriers in Japan. Curtailment was considered reasonable, as returning home avoided higher costs for both John and his family, who would have otherwise had to purchase new return tickets.

Upon arriving in Malaysia, immediate admission and subsequent diagnostic testing confirmed a case of Klebsiella pneumonia. All medical treatment in Malaysia was paid for by John’s medical insurer.

KEPUTUSAN

Based on the overall circumstances, the case manager highlighted that the insurer should consider the curtailment claim. The insurer reviewed its decision and issued a revised settlement offer. John accepted the offer, resolving the dispute.