Just want to warn you guys (and gals) about insurance firms.

I had 4 insurance policies since a few years ago - a PA policy bought through a telco, a CI policy through a bank, a medical card through an agent and a supplementary medical card direct from the insurance firm.

The telco SMSed me early this year that the PA policy will be cancelled for all subscribers - as consolation, they gave 1 month's free coverage.

As for the CI policy bought through a bank, the insurance firm did not send me the renewal invitation this year. I noticed that this policy is no longer offered by the banks - so I guess the insurance firm plans to withdraw the policy from the market. When I contacted them, they gave me the runaround ... first e-mail ignored, after second e-mail they asked me fill up a form with my credit card details and fax it to them ... yet up to now the premium has not been deducted from my cc. I get the message - they don't want my business anymore.

I was diagnosed with high blood pressure (well controlled) a while back so it's difficult to get new insurance policies. Luckily I still have my 2 medical cards.

So beware of insurance firms - they'll withdraw a policy from the market if it makes business sense to them, and to hell with their clients!

In the case of the CI policy, its a bancassurance product. Apparently the insurance firm is withdrawing from the CI market - no more CI products on offer at its website. To my understanding, even a product that's "guaranteed renewable" can be withdrawn from the market, provided the insurance firm withdraws from that segment of the market.

But a person with high blood pressure can still buy PA with no restrictions or loading, correct?