Recommended medical insurance agent

[jedi2804]

Planing buy medical insurance for my families, anyone can recommend me a good agent? AIA or NTUC or any agent you have good experience with.

[Bubbline]

Hi, there is alot of medical insurance available on the market. But if you would like to know which is a better option, it is best you get an independent financial adviser so they can do a comparision. [Post sanitized -moderator]

[aquariuswinnie]

We are currently with AXA Singapore, there are a variety of health insurance plans with coverages that suit our needs and budget, very affordable too.

[AndyWillie]

There are many insurance providers in Singapore, AXN, AIA, DBS, POSB etc so you have to see which package suits you. We travel a lot and someone in the forum recommended POSB as having the best travel insurance in town so we went with them and it's pretty good. We're now in the midst of getting our medical insurance from them Will update you when we've bought it.

[simoncwarner]

I buy with Expat Insurance. They specialise in Medical Insurance for Expats

[SteveMcCrady]

Planing buy medical insurance for my families, anyone can recommend me a good agent? AIA or NTUC or any agent you have good experience with.

Insurance agents usually work for the insurer and not the insured, brokers are better as they work for you and are not tied to the insurer - you can find brokers by searching expat medical insurance, look for a broker, you'll get better advice and it won't cost you any more.

[dixoncb2000]

Hi Can someone recommend an insurance broker for medical insurance in Singapore please? An contact # and/or email would be most appreciated. Thanks!

[Max Headroom]

On a slight side note, we're in the process of signing on with an insurer, and whilst we're pleased with our agent, we're not liking their exclusion policy.

Essentially, this means that if you had a bit of an issue with any particular organ in the past, this insurer excludes this organ from your policy. IOW, should you at some time get an infection or condition of this organ - even one unrelated to the previous one you had - you're on your own.

Do all insurers work with this exclusion policy?

[jaredlow]

On a slight side note, we're in the process of signing on with an insurer, and whilst we're pleased with our agent, we're not liking their exclusion policy.

Essentially, this means that if you had a bit of an issue with any particular organ in the past, this insurer excludes this organ from your policy. IOW, should you at some time get an infection or condition of this organ - even one unrelated to the previous one you had - you're on your own.

Do all insurers work with this exclusion policy?

A medical insurance do not cover pre-existing conditions, hence any pre-exiting illness and its complication will be excluded. This is a standard terms and condition across most insurance plan.

However, there are also medical plans that provides pre-existing illness coverage. Means insurer will provide coverage on pre-existing condition and its complication after a waiting period.

[nakatago]

You're being warned.

-Moderator

On a slight side note, we're in the process of signing on with an insurer, and whilst we're pleased with our agent, we're not liking their exclusion policy.

Essentially, this means that if you had a bit of an issue with any particular organ in the past, this insurer excludes this organ from your policy. IOW, should you at some time get an infection or condition of this organ - even one unrelated to the previous one you had - you're on your own.

Do all insurers work with this exclusion policy?

A medical insurance do not cover pre-existing conditions, hence any pre-exiting illness and its complication will be excluded. This is a standard terms and condition across most insurance plan.

However, there are also medical plans that provides pre-existing illness coverage. Means insurer will provide coverage on pre-existing condition and its complication after a waiting period.

[Max Headroom]

That's good to know Jared. I'll have a good look-see.

Thanks.

[meklavier]

as far as i know aviva is the only one in singapore with the moratorium underwriting clause, which means if you have a pre existing condition and that pre exisiting condition have not manifest in X number of years, and you have never seek any medical treatment/consultation for that particular condition in X number of years you will get auto covered.

you can visit the aviva website.

[Max Headroom]

Thanks for that meklavier. We managed to turn the insurer's decision into our favor when it became clear that the insurer had jumped the gun on the existing condition. I.e. there wasn't one

[hensonmel]

hi, i have a very good agent to help you on this. he handles my insurance
pm me for details.