which insurance companies offer the best and cheapest insurance for medical and life insurance?

Where can buy insurance (medical card) online without going through agent and then get rebate?

let me check it.

I am trying to buy for my sister who is OKU in "intelektual' but Manulife wanted her to do medical check up and premium is high.

I don't see there are any valid reasons for the needed to do medical check and impose high premium. Don't tell me intelektual has higher risk in all diseases.

Is this one kind of discrimination?

This post has been edited by jack2: Jun 24 2020, 12:37 AM

Intellectual is due to lower IQ and not because of mental disorder etc.

This is cheap if for aged 69. Which insurance co?

Can PM me this plan for 1971 May?

Prudential customer service is damn lousy and bad. If you did not login to your PruAccess for 1 year, your account is inactivated and you cant login until you need to call them for reactivation. No e-mail help is allowed. But when I called them, keep waiting ....

This post has been edited by jack2: Aug 4 2020, 12:52 PM

I applied medical insurance from Manulife for my sister who is OKU in Intelektual and the underwriter at first requested for

1. Statement for their panel doctor
2. Statement from usual visit doctor

During this process, I have visited the doctors many times because of human mistake etc...

Then now, they asked again to do blood test. I wonder why don't they request it once at all and not one by one. I have spent may times in bring my sister to do all of these.

How about if after done all this, they rejected? This is business and I pay the insurance premium for them to "insure" one.

Hence, I am looking for others companies which can access all at once without spending my time to do one by one.

Please PM me.

Not really. We have declared everything on her condition and they did not ask for medical check on blood.

Probably i will go for life insurance for her.

We declared everything.

When we visited the panel doctor, the doctor did not ask for blood test but only asked for urine test....

Buy CI36 needs medical check up?

My sister who is OKU and tried with Manulife and they asked to do this and that and then was rejected after the latest blood count shows anemia and hypertension.

In this case, can still proceed to buy CI36?

Yes, I do have a copy.

Sometimes ppl or company tend to be smart:

I received this SMS

We are unable to reach you to review the policy contract bought via Non-Face-to-Face. Reply NF to 63839 for any clarification needed.

And what the helx that I can know which company is from.

It is really a bad experience with Manulife.

First, I applied medical insurance for my sister who is OKU. They claimed that OKU is OK as long as is good health. The process was going through and then did blood test etc and found to be anemia and hypertension. They rejected the medical insurance with reason to come back and reapply again after 1 year.

Then I wanna go for life insurance with them and they do not wish to offer as they claimed that my sister is Intellectual Disability in which her IQ is same like child about 15-16 yo.

So kia su company, better don't do insurance business la.

You are right but of course there was something happened between me and the underwriter.

They asked to get latest blood test when they found out the blood test report that she did in 2019 has anemia issue. Then I asked the underwriter that if the latest blood test report showed the same issue without improvement, will you accept the offer or reject?

If you accept, then I bring her to do blood test.
If you reject, then no point to waste my time and your money to do the test.

Then the underwriter gave direction to do the test... and at the end, rejected.. so you see how the attitude is

I m pity Manulife to treat me as lulu to offer me this plan:-



This post has been edited by jack2: Oct 14 2020, 09:10 PM

The agent helped me to appeal with the Co and the Co reviewed the appeal and provided this offer that they can offer.

Anyhow, MSIG accepted my sister's application with some exclusions on medical side and I accept the exclusion as it is fair to both of us.

This post has been edited by jack2: Oct 14 2020, 09:16 PM

Thank you. Few companies do not want to offer life insurance as well.