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Nigel Tan
09 Jul 2020
Executive Senior Financial Planner at Great Eastern Life
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Hello
The surgery will definitely be taken into consideration in the underwriting process. You can certainly apply first to get an underwriting decision.
i will definitely be able to assist you on this!
You can find my contact details here: https://www.skyfp.com/contact/
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Hey there!
You might want to try submitting an application from different insurers but do take note...
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You can always try applying first, see if the insurer accepts or rejects you.
Depending on which policies you apply for, some may cover fully, some cover with exclusions/ loading imposed, some may not cover.
For Health, CI, life and disability protection, probably will depend on the underwriting outcome. Personal Accident policies should probably be fine since its unrelated.
Unfortunately, we ultimately still have to be at the mercy of the company underwriters.