1.0FMOShttps://www.fmos.org.my/encommsadminhttps://www.fmos.org.my/en/author/commsadmin/rich600338<blockquote class="wp-embedded-content" data-secret="E9xLBwN7yg"><a href="https://www.fmos.org.my/en/cochlear-implant-surgery/">Cochlear Implant Surgery</a></blockquote><iframe sandbox="allow-scripts" security="restricted" src="https://www.fmos.org.my/en/cochlear-implant-surgery/embed/#?secret=E9xLBwN7yg" width="600" height="338" title="“Cochlear Implant Surgery” — FMOS" data-secret="E9xLBwN7yg" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe><script> /*! This file is auto-generated */ !function(d,l){"use strict";l.querySelector&&d.addEventListener&&"undefined"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!/[^a-zA-Z0-9]/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret="'+t.secret+'"]'),o=l.querySelectorAll('blockquote[data-secret="'+t.secret+'"]'),c=new RegExp("^https?:$","i"),i=0;i<o.length;i++)o[i].style.display="none";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute("style"),"height"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):"link"===t.message&&(r=new URL(s.getAttribute("src")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener("message",d.wp.receiveEmbedMessage,!1),l.addEventListener("DOMContentLoaded",function(){for(var e,t,s=l.querySelectorAll("iframe.wp-embedded-content"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute("data-secret"))||(t=Math.random().toString(36).substring(2,12),e.src+="#?secret="+t,e.setAttribute("data-secret",t)),e.contentWindow.postMessage({message:"ready",secret:t},"*")},!1)))}(window,document); //# sourceURL=https://www.fmos.org.my/wp-includes/js/wp-embed.min.js </script> https://www.fmos.org.my/wp-content/uploads/2026/04/AR-Case-Studies-15.png500501Polly, a five-year-old, underwent cochlear implant surgery to treat severe to profound bilateral sensorineural hearing loss. Her mother, Emily, submitted a hospitalisation and surgical claim. The insurer declined the claim, asserting that cochlear implants are external devices similar to hearing aids and therefore fall under the policy exclusion. Exclusions The Supplementary Hospitalisation Contracts do not […]