Dear Wai,

All insurance companies will decline medical insurance for prematurely born l, for the first 2-3 years depending. After the 2nd-3rd year, try re-applying again. Strict underwriting is required on this type of cases, as you my know babies born prematurely may be severely underweight, etc etc. But how premature is premature? if you have the attending OG Dr's report etc on the condition of the baby may help your application.

Which companies have you tried?, did your agent fill in correctly the number of weeks born in the application form supported by any reports from your Dr? Your daughter born 32 weeks- may still be considered actually.  I had similar case years ago and thankfully it was ok after getting some reports etc from Dr.

This is the reason why PruMyChild insurance designed for mother's to be to buy for their baby anytime between 18-32 weeks of pregnancy.

Regards.

Good, try getting the report from the pediatrician/ OG and current health, weight etc. After all your daughter is now 1 year old and surely bubbly, sweet and pretty . Current weight is also important as we insurers have a BMI table.

Didn't the company or agent ask for further details above for underwriting assessment..

I would be happy to assist too should you decide to try with us.

Good lucks.