Have you ever thought of Business Insurance / Keyman insurance? Which is a better choice for directors and company.

Cover for what purpose?

Director illness, then company cannot run?
Keyman insurance is the way.

In normal circumstance, company should able to run even if director passed away.
Just reappoint another director.

Generally director is appointed through AGM/EGM yearly.

Interesting question but I'm curious how this came about "Guaranteed Acceptance, No Health Questions or Medical Checks Required"? What are you concern about?
Yea usually that's the time frame.
What do you mean? Care to elaborate more?

Best,
Jiansheng

She can buy travel insurance. Travel Insurance is essentially a PA (Personal Accident) policy.

However, all the coverage listed in the schedule of benefits are subject to illness or injuries sustained due to ACCIDENT.

How to define "By Accident" leh?
Got 3 premises:
1. Happen suddenly
2. It is violent (can see blood)
3. External impact (impact come from outside...like a punch, or object from outside enter the body)

So stuff like fall down ah, food poisoning ah, dengue ah, etc would come under the definition of accidental in nature.

want to ask opinion on the expert here. Recently my wife went to a private hospital to remove lump in her breast, and at the same time to also remove accessory breast. When the hospital submit requisition to AIA insurance, the guarantee letter only stated to cover the cost for lump excision. After few weeks later hospital called and confirmed that AIA did not cover the cost for accessory breast excision and we have to pay our own. I thought medical card suppose to cover all surgical fees and is it possible to complaint so that this fees can be absorbed by AIA? Thanks.

She can buy travel insurance. Travel Insurance is essentially a PA (Personal Accident) policy.

However, all the coverage listed in the schedule of benefits are subject to illness or injuries sustained due to ACCIDENT.

How to define "By Accident" leh?
Got 3 premises:
1. Happen suddenly
2. It is violent (can see blood)
3. External impact (impact come from outside...like a punch, or object from outside enter the body)

So stuff like fall down ah, food poisoning ah, dengue ah, etc would come under the definition of accidental in nature.