2) is largely depending on your budget and circumstances as well. If your budget can only buy A+B, no point asking worth to buy A + B + C + D.

Or if you have family of heart disease you might think ci very important. Or if you have dependent and you are sole breadwinner, than life insurance become very important also.

3) actually you 24 only, why so scared. Haha.... actually just apply the insurance like normal and tell the truth.

ic. now i understand your concern. i can assure you that you do not have to worry about this since it is made clear that this plan doesn't need health underwriting so definitely wont have any claim issue due to that too. no worries ya

thx for your reply
it's made clear on the product page, but not in policy. can i use the product brochure as my backup if anything unpleasant happened?
i asking here wonder if anybody else have similar experience of blank answer on health question section, what does it indicated?

2. Thanks. Really helpful advice 

3. Haha who knows later suddenly kena accidental findings. Nowadays so many opportunities to make young people get diabetes and hypertension lmao.
Yeap. Plan to tell the truth. Cuz I still young, no point doing health checkups so I am healthy 
What's your thoughts between AIA, GE and Prudential? Or any other companies you would recommend?

I cannot give unbias comment. That's why i didnt answer your 1st question. Hahaha... all selling apples and oranges...

But all 3, same same la. You just see which agent you likey...

2. Thanks. Really helpful advice 

3. Haha who knows later suddenly kena accidental findings. Nowadays so many opportunities to make young people get diabetes and hypertension lmao.
Yeap. Plan to tell the truth. Cuz I still young, no point doing health checkups so I am healthy 
What's your thoughts between AIA, GE and Prudential? Or any other companies you would recommend?

Hi sifu, really new to this so sorry if I sound very stupid (because I am lol)

I'm 24 and wish to buy a medical insurance very soon. I have a few concerns that I would like to be cleared:

1. Which company in the big three (Great Eastern, AIA, Prudential) or any other companies has the easiest claim policy and no drama and no fuss on unable to claim stuff like that. Plus which has also the most hospitals that accept their medical card. Assuming all the other confounding variables that may affect this are standardised/ignored. (example of confounding variables: type of plan i might get, cheap or expensive plan)
i'd done claims for GE, AIA, Pru, Allianz, HLA, Manulife and AXA Affin policies before. So far no any unpleasant experience. but if you google around you will see people complain about bad experience in claims even from big companies. But usually there are standard documents needed for claims, so just need to submit whatever the company needed for claims will do. So agent plays an important role to help to follow up and expedite on the claim process.

i have no idea which got the most hospitals but more or less most private hospitals are panel hospital of insurance companies. cant really specifically point out which has the most though. have to ask agent from different companies or Financial Advisor Representative to show you the list.


2. Do you think if it is worth it to include "critical illness" and "waiver of premium" in the plan? And if I already have the "critical illness" plan should I still get a life insurance?
It is not about whether it's worth or not, it's about whether you need it or not. if you already have the critical illness payout benefit in the plan, then next thing to look at is whether you need life insurance or not (to cancel off any loans, for bereavement benefit, for long term care in the event of TPD, etc.)


3. Should I do a full body checkup before I sign up for a medical insurance plan? Or should I not leave any record in any hospitals so that the company won't be able to dig them up  
It is not necessary to do full body checkup before you sign. but if you do so, then you must declare to insurance companies that you went to do the checkup, and company will query what's the reason you do the test and might have the possibility to ask you to submit all the test report done.


Thank you sifus. I'll appreciate any help

Few points to look into:
1. Which company cost of insurance lower in quotation.
2. Which company claim ratio lower to cut down the frequent of repricing.

The policy contract that you screenshot has a section where only questionnaire applicable for this 1Cover plan is needed to be answered.

It'll supersede the general template that you've shown.

Few points to look into:
1. Which company cost of insurance lower in quotation.
2. Which company claim ratio lower to cut down the frequent of repricing.

erm, which sentence u meant?

thanks

1. Cost of insurance is not guaranteed, how are you going to make sure it stays the same?

2. Kindly share how you obtain such data, I'm very interested to know.
It's a form, you'll have to search within that soft copy you've received.

1. agreed that cost of insurance is not guaranteed but each company cost of insurance for medical card is not the same. Do refer to the quotation from each company then u will know.

2. The more claim a company made obviously the chances of insurance repricing happen very frequent. no date shown but is a common sense. up to everyone in the forum to take this point or ignore when choosing their desire insurance company.

Few points to look into:
1. Which company cost of insurance lower in quotation.
2. Which company claim ratio lower to cut down the frequent of repricing.

1. agreed that cost of insurance is not guaranteed but each company cost of insurance for medical card is not the same. Do refer to the quotation from each company then u will know.

2. The more claim a company made obviously the chances of insurance repricing happen very frequent. no date shown but is a common sense. up to everyone in the forum to take this point or ignore when choosing their desire insurance company.

hii do you know any good insurance plans that cover pre existing conditions/illnesses? google isnt helping much:(

hii do you know any good insurance plans that cover pre existing conditions/illnesses? google isnt helping much:(

hii do you know any good insurance plans that cover pre existing conditions/illnesses? google isnt helping much:(

hii do you know any good insurance plans that cover pre existing conditions/illnesses? google isnt helping much:(

Hi sifu, really new to this so sorry if I sound very stupid (because I am lol)

I'm 24 and wish to buy a medical insurance very soon. I have a few concerns that I would like to be cleared:

1. Which company in the big three (Great Eastern, AIA, Prudential) or any other companies has the easiest claim policy and no drama and no fuss on unable to claim stuff like that. Plus which has also the most hospitals that accept their medical card. Assuming all the other confounding variables that may affect this are standardised/ignored. (example of confounding variables: type of plan i might get, cheap or expensive plan)

2. Do you think if it is worth it to include "critical illness" and "waiver of premium" in the plan? And if I already have the "critical illness" plan should I still get a life insurance?

3. Should I do a full body checkup before I sign up for a medical insurance plan? Or should I not leave any record in any hospitals so that the company won't be able to dig them up 

Thank you sifus. I'll appreciate any help

Hi, currently my wife is having second baby. Want to ask what is the best value insurance to buy for the baby?