Last week, the hubs submitted our claims to the insurer for Baby’s hospitalization stay for a urinary tract infection incurred in January 2010. I hope that this time the insurer will approve our claims. Since Baby’s kidney reflux problem is already fixed, the UTI that she had recently should not be classified as congenital. Anything that is non-congenital should be claimable. I hope the good Lord will help us get this claim approved as it’s a big amount at over RM2k. We have already given up hope on our claims for Baby’s 2 surgeries in May last year amounting to over RM50k. The hubs will be switching insurance agent as our current insurance agent isn’t doing much to help us with all these claims. He cannot even give us an accurate term life insurance quote.