Insurance Talk V7!, Your one stop Insurance Discussion
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 Sep 15 2021, 12:03 PM
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#1
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Junior Member
79 posts Joined: May 2011 
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Hi all,
I'm looking for insurance for my newborn. However, he has been diagnosed with hypo-thyroidism, a condition where the thyroid gland is not producing enough of the thyroid hormone. Current treatment is a daily dose of oral medicine that boosts the hormone. Is he insurable? |
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Sep 17 2021, 10:19 AM
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#2
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Junior Member
79 posts Joined: May 2011
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QUOTE(MUM @ Sep 15 2021, 12:10 PM) While waiting for real insurance sifus to response, I kay poh abit here. Yes, I'm looking for quotations currently. Will be willing to provide detailsI think it is insurable, but the coverage may excludes this preexisting illness n it related illnesses. Even if it is covered, there maybe extra loadings (extra premium cost). Would you still want to get insurance knowing that?  |
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Sep 18 2021, 08:08 AM
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#3
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Junior Member
79 posts Joined: May 2011
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QUOTE(MUM @ Sep 17 2021, 10:29 AM) You had already seek quotation outside? Or you want forummers,(real insurance sifus) here to quote you? Yes, I'm looking for some insurance sifus to quote or to direct me to some agents. I already have for Pru. Open to look at other Insurance Co. quotations as well. |
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Sep 19 2021, 12:36 PM
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#4
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Junior Member
79 posts Joined: May 2011
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QUOTE(lifebalance @ Sep 18 2021, 09:50 AM) It'll be easier if you can share your particulars. Pre-existing condition for baby: Hypo-thyroidism (Lack of thyroid hormone)Namely Your child DOB, gender Your DOB, gender, occupation, smoker or not. Monthly follow up at Hospital Putrajaya Daily oral medication to up the hormone needed. Child: DOB 29/6/2021, Male Me: DOB 11/5/1986, Male, IT professional, non-smoker Preference & Focus: Medical card (co-insurance is OK) CI, minimum sum assured. Life product, unit-linked. Budget: Below RM 200 Companies quotations I already have: GE, Pru, Allianz |
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Sep 20 2021, 12:28 AM
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#5
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Junior Member
79 posts Joined: May 2011
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QUOTE(lifebalance @ Sep 19 2021, 12:46 PM) At this point, it's just the advisor you want to pick with. I can practically quote for all the insurance companies you've mentioned. For your budget range, Pru/HLA would be able to meet below RM200 while able to provide a comprehensive coverage as I just did for lapland. Can kindly quote HLA for me?Thanks for replies also from everyone. All the info provided here is helpful. My main purpose at the end is just to get coverage for my little one. And as I've suspected, it'll either be extra loading or just handle as pre-existing condition. |
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