Hi Guys,

I'm 31 and finally I decided to get a medical card/ insurance.

My medical condition as of today:

1. Ankle ligament torn (due to sports). Happened last year.
- 1st doc suggested surgery. I consulted 2 more doctors in another hospital. 2nd and 3rd doc said I can carry on without surgery as long it doesn't stop me from my daily activities. So after 2 months of rehab session I ruled out surgery and I feel normal.

2. Fatty liver (health screening report September 2015).

Are the above serious medical issues for the insurer? I don't want to hide my medical history because I know few years down the road it may cause me problem when if something related to the above strikes.


What I need?

Any medical insurance/ card that offers coverage without extra loading/ exclusion for the abovementioned condition. Are there any?

I welcome feedback from agents who have handled the above condition and I'm willing to buy from you. I have met a few agents before. They are unsure whether the above case can go without extra loading/ exclusion.

So please shed your opinion if you have come across similar case. Presumptions/ speculations will not help me.

Otherwise what I have in mind is apply to a few companies simultaneously (of course declare the history). Select the one which offers me without extra loading/ exclusion and cancel the other policies within the 15 days cooling period.


Is this a practical way forward?