Hi Everyone,

I really need your advice.

I am hepatitis B carrier, got from my grandparents then to my mom then to me.

I'm currently on follow up with hospital and taking medicine. My liver is recovering and i was undetected for so long already.

I wish to take insurance soon. So have few questions:

1. I don't plan on claiming anything related to my hepatitis b related disease in future. Should i declare and why?

2. If i don't declare, let say i want to claim/req GL for other illness, will they find out about my hep b? and will it cause problem to my claim for other illness that is not related to hepatitis b?

3. If i'm caught that i don't declare, what would happen?

4. GL is issued within minutes to hours, how do insurance company check on the medical background?

5. Say i'm currently following up on hep B with hosp A, but i want to req GL on other illness with hosp B. will insurance company know my medical record in hosp A?

6. will my premium become high if i have hepatitis B?

7. with my condition, which insurance package you think would be the best


Thank you in advance guys!