OFFENDED!!!!

Well well well..... I seriously feel so offended with ING Insurance.  I am applying for my twins insurance with them.  ING defer Zarif's application until he reach 1 year old.  Defer is the most polite way of saying my current application has been declined.

Reason :-

1. verbally said because he had a surgery at a very young age.  Any cleft babies would be advised for a surgery as young as 3 months old (I think ING need to read through or study what Cleft is all about).  

Facts :-

1. the application has been declined without granting any medical report from the surgeon nor the hospital.  
2. Cleft lip repair is not a life threatening disease.
3. I have agreed for an exclusion for anything related to his cleft lip repair.

Offend :-

1. they offer a deferment proposal and a form for me to sign to agree on Life Insurance Policy since Zarif is not eligible for the medical card.  What kind of mother do they think I am???  Want to be benefited after??  I want an insurance coverage for my son for his presence!  How insensitive!!
2. they forward an authorization form for medical report - NOW?? After they have declined??
3. ING is one of the biggest sponsor for CLAPAM... and I seriously do not expect this from them.

IF they were to decline based on any medical report or requesting me for a higher premium, I would understand.  But to decline at the first submission...(oooopsss defer as they put it) is totally offensive.  At the age of 1, Zarif will still be a cleft baby and had his surgery at age 3 months old!

Justice for all the cleft babies out there!! They deserved to be insured too!!

Be strong dear heart....

"Mama...adik takut"... hmmmm nope.... that was not Zarif telling me.  It was me telling my mum just now.  A mother always need her own mother to tell that everything will be alright.  Mama also said she is afraid/nervous too... this is also her first experience with her own cucu... It's good she is not hiding her feeling... at least I know it is ok to feel what I feel...

I've been wanting to see the video on how the surgery would be done.... had no guts! But today... the curiosity gets higher.... as the surgery is just around the corner - i need to know how..i know the theory.. now i want to know how it would be done physically.  So, I youtubed.

http://youtu.be/Mn6ShNspVfw

Bermulalah episod banjir di dalam bilik.... oh dear heart... please be strong.

As I mentioned earlier, I am very factual person, I guess... after knowing how (my heart broke even more...) but NOW I KNOW and I feel such a relieved.  There will be pain, there will be crying.... there will be recovery.

My dear heart,
Be strong. I need you.

My Almighty Allah swt,
Please forgive me of my sin.
Let the pain be more in my heart than to him...


I accept your test, as your love to me..
What you are doing is reminding me...
Otherwise you wont be choosing me..