Woman loses suit against Prudential after S$100,000 brain aneurysm surgery claim denied, says she plans to appeal
Following the judgment, Cai said she will "most likely" appeal, and intends to seek help from the legal community.
A woman has lost her lawsuit against Prudential after a claim of S$100,000 for brain aneurysm surgery was denied. District Judge Teo Guan Kee ruled that it was unfair to claim Prudential had concealed the exclusion of this type of surgery in its policy. The woman, Cai Yanhong, plans to appeal the decision. In 2023, Cai suffered a stroke from a ruptured brain aneurysm and was treated at National University Hospital (NUH).
She underwent an endovascular repair surgery, which is not covered by her Prulife Multiplier policy purchased in 2016. The policy only covers surgery done through a craniotomy, an open-skull procedure. Cai's lawsuit argued that she was not given a choice of surgery and that the exclusion was not clearly explained to her during the sales process.
Prudential countered that the contract clearly states the type of surgery covered and that Cai's argument lacks legal or factual basis. The judge dismissed Cai's claim, noting that she was informed of the policy terms and had a 14-day window to review them. Prudential stated that they appreciate the favorable outcome and will consider waiving costs as a goodwill gesture.
The insurer emphasized the importance of critical illness insurance awareness and plans to enhance financial literacy efforts.
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