Agents who tells you not to disclose are trying to find a quick way to get the case approve so that they can receive the commission faster. Good for the agent, bad for you.

You're risking paying the premiums and should there be severe hospitalization due to diabetic related issue, the claims will be rejected. I'm sure this is not what you want.

Severe Diabetic can lead to amputation of limbs/legs, blindness, kidney failure and many more illnesses. This is why the insurer is very careful when selecting cases that has blood sugar level warning.

I'm doing a little bit of risk assessment here, I hope you don't mind answering. You can PM me the answers if it is not convenient to answer here.

1. You said last year, exactly when was it that you were diagnosed the high blood sugar? Jan? Dec?

2. Where were you diagnosed? At GH? at BP Lab test? At clinic?

3. The readings that you have now, where were they done? Is it at the same place that you're first diagnosed with?

4. After being diagnosed, was there any medication being prescribed? If yes, what is the dosage and how often do you take them?

5. Are you still taking the prescription? If not, why did you stop?

6. Were you hospitalized with regards to diabetic complications before?

7. What did the doctor said with regards to your raised blood condition?

8. What was your height & weight when you were diagnosed with raised blood sugar?

9. What was your height & weight when you were diagnosed now?

10. What about your family history, is there anyone with diabetic complication? (whether dead or alive)

11. Did you take time off from work/study as a result of the diabetic complications, if any?

Do note that the above questions is not exhaustive and any other questions may arise as the underwriters sees fit.

No problem. Glad to be of assistance. This is similar to what happen to one of my prospect. He got mis-diagnosed by one of the young trainee doctors at the GH for hypertension.

The answers you given were rather positive and I don't see any issue to get a medical card by proper declaration.

Please keep all records, which will be needed to be submitted along with the proposal form.

If you need a quote, do PM to me the following:-
1. Date of birth
2. Smoking status
3. Gender
4. Occupation
5. Email address (for me to send to you the full quotations & brochures)
6. Budget per month

Do note that medical cards needs to take care of us till age 70/80 (that is when we lose our company cover, retired) or even longer and no doubt the premium is leveled, the insurance charges do go up especially at age > 65. Full disclosure of the insurance charges are in the brochures.

Medical check up records are only valid for 6 mths. If your records go beyond the 6 mths, you'd most likely be required to take a new test during inception at any of our panel clinic.

Even if the insurance company requested you to do the medical check up, it is a normal & routine check up. The bill will be paid by the insurance company, in the range of RM 100-150. Zero cost to you.

This post has been edited by roystevenung: Sep 1 2012, 12:44 PM