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Anonymous

13 Aug 2022

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If family has medical history like 3Hs or diabetes or CI but i do not have any of this at the moment. Will there be any loading or exclusions?

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Ace

23 Aug 2022

If family has critical illness/CA... highly possible for loading. But yes, agree that should declare and see what's next.

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Elijah Lee

20 Aug 2022

Senior Financial Services Manager at Phillip Securities (Jurong East)

Hi anon,

There are a number of factors that will determine if you have a loading or exclusion

The age of your family's medical history
The number of people in your family with said history
Your own age now and how close it is to your family member's prior age when he/she was diagnosed with said history.

As always, please declare family history and let the insurer decide.

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CH

14 Aug 2022

You have to declare in the medical history, it will be taken into consideration, but unlikely there ...

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