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Insurance Talk V7!, Your one stop Insurance Discussion
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leesa
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 May 23 2021, 04:23 PM
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Getting Started
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Hi guys, I'm looking for a medical card for my mother. She had one with Allianz but the policy lapsed (cos I ignored the renewal notice until it lapsed 😓)
She doesn't want to do a medical check up to get it reinstated or for a new policy. So several agents from AIA, Pru and HLA have advised to just apply and see if they ask for a medical report.
Can anyone advise and provide me a quotation? Alrdy got advice from AIA, Pru and HLA, so others are welcomed.
• Age: 64yo (year of birth 1957)
• Existing condition: Hypothyroidism (under medication. Last check up/medical report was about 10 years ago)
• Non-smoker
I'm fine to exclude the current condition from the coverage if I can proceed without a medical test, if it can work like that.
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leesa
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May 26 2021, 02:13 PM
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Getting Started
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QUOTE(roystevenung @ May 23 2021, 11:22 PM) Your best and first option is to try to re-instate the policy if at all possible. If it has just lapse, then revival is very possible just by paying the outstanding premium without the need for medical underwriting. Do contact your insurer urgently if that option is still open. HTH Hi, yep I tried to, but they requested for a medical check up which my mother doesn't want to do. I submitted an old report but they want a recent one. Anyhow also need to do a medical report..  |
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leesa
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May 26 2021, 02:18 PM
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Getting Started
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QUOTE(lifebalance @ May 23 2021, 05:19 PM) There is no way to "Fixed" your insurance premium if that is your main intention for asking those questions. With such condition and advanced age, chances are the insurance company would like to perform a check to confirm her current health status. However, if you wish to try, I do have some under my disposal. Hi yes I'd like to give it a shot. What do you mean by under your disposal btw? Can you pm me your number? |
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