Dear forumers,

I found out that my father does not have a medical insurance plan.
He is currently 59years, will be 60 in end of Jan 2010.
As far as i know, majority insurance companies will not accept my father application once he hits 60 on his coming birthday.

Therefore, I am very worried about the options we have due to the time constraint imposed.

His health conditions described as follows >>
1. he has high blood pressure. He goes for regular check up and take medicines to control on a regular basis.
2. he does not have any illness or high blood pressure related illness as of last check up (approx. 2 month ago).


I have tried to approach agents, however, the agents i have met, regrettably i had unsatisfactory service.
They do not seems to know what i want, and only trying to persuade me on getting a Investment-Linked Life Policy + Medical as rider for him, even at his age, factoring in the rising medical premiums as he age.
More so, some of them don't even know their product well :s
(i am sorry, i am not trying to offend anyone, this is just my experience i encountered n i would like to share)


*** My aim here is to get a H&S medical insurance ONLY for him. ***


(A) Could anyone suggest a reasonable/fair value/suitable H&S for my father, factoring in his age and health condition?

Due to the time constraint, i don't have sufficient time to make details investigation of the available H&S in the market.
I sincerely hope i could access your knowledge and wisdom here.
Thank you in advance for your information.

## I have a budget of monthly RM300-400 (including Loading if applicable) for age band between 60 to 65 at the moment, and I understand that the premiums will continue to rise according to the age band thereafter.

## my requirement are as follows >>
i. Must be Guaranteed Renewal
ii. Outpatient Kidney Dialysis, Cancer Treatment must be available, with reasonable level of coverage.

(B) Because of my past experience with agents, i am opting for walk-in where possible, may i know does anyone know which insurance companies accept walk-in for H&S, and offer discounted premiums if walk-in (discounted premium is optional, my main concern is the possibility of walk-in)

© If you have an insurance agent that you personally have used, and/or you sincerely think he/she is reliable and genuinely could offer assistance to me, i would be very grateful if you could PM me his/her contact.


I hope you guys could help me out in good faith, and i would like to thank you in advance for any assistance you could offer.

A quick question:
What's the difference between General Insurance's H&S and Life Insurance's H&S ?

I understand Life Insurance's H&S offer Guarantee Renewal, while General Insurance's H&S offer Conditional Renewal, but General Insurance's H&S will offer guarantee renewal after a specific period of no-claim, for example 1 year, or 2 year.

Last time i enquire about Tokio Marine's Medic Plus, the customer representative told me that the no-claim period COVERS also accidental event, that means, if involved in accident, make claims, then, the future H&S renewal will be subject to insurer discretion.

I am confused. Can anyone elabore further the pros & cons between getting a General Insurance's H&S and Life insurance's H&S.
Again, thank you deeply for any assistance offer.