Recommended medical insurance agent

jedi2804 · Post by **jedi2804** » Tue, 06 Sep 2011 3:43 am

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 · Post by **Bubbline** » Wed, 07 Sep 2011 11:02 am

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 · Post by **aquariuswinnie** » Tue, 20 Sep 2011 2:29 pm

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 · Post by **AndyWillie** » Fri, 23 Mar 2012 4:11 pm

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 · Post by **simoncwarner** » Sat, 31 Mar 2012 3:48 pm

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

SteveMcCrady · Post by **SteveMcCrady** » Wed, 01 Aug 2012 10:03 pm

jedi2804 wrote: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 · Post by **dixoncb2000** » Mon, 15 Jul 2013 11:37 am

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 · Post by **Max Headroom** » Sun, 24 Nov 2013 6:07 pm

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 · Post by **jaredlow** » Sat, 30 Nov 2013 6:47 pm

Max Headroom wrote: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.

Post by **nakatago** » Sat, 30 Nov 2013 6:53 pm

You're being warned.

-Moderator

jaredlow wrote:
Max Headroom wrote: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 · Post by **Max Headroom** » Sat, 30 Nov 2013 11:31 pm

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

Thanks.

meklavier · Post by **meklavier** » Mon, 10 Feb 2014 6:44 pm

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 · Post by **Max Headroom** » Mon, 10 Feb 2014 7:55 pm

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 · Post by **hensonmel** » Wed, 20 Aug 2014 8:53 pm

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

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