Hello Everyone,

I need an advice or opinion on insurance for my following conditions.

1. Obesity with weight 140kg,
2. 168cm height
3. History of hypertension. Currently heart reading normal but still take daily medication.
4. Age 28

I plan to take a comprehensive package with life insurance, personal accident, critical illness, hospitalisation and medical card.

So far, my first insurance application was rejected by BXN-Prxdxxtxxx.

I dont want to lie about my condition (hypertension) but still can consider if they ask for a higher premium or exclusion hypertension from the protection.

Should i try another insurance provider?

Which one is more considerable?


Thanks a lot

Thanks All for your valuable feedback.

To be frank, I do keen on takaful plan. But still open for any reasonable/better option.

I will take a look at what Alliance, INg and AIA offerings....


Loading is normally charge to total premium amount or to specific part only e.g. critical ilness ?

Do insurance companies track record of any application rejection?

It is true.. Another option is I need make good of my health condition, maybe slim down a few xx kgs first before applying again. But dont know this will take how long. hahaha