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Hospitalisation Insurance (H&S) Insurance
Andrew Tan

Asked on 30 Dec 2020

Accept hospitalisation insurance with no exclusions but worse benefits or take on one with exclusions but have better benefits?

I am currently under company A plan but looking to switch to company B as they offer better premiums and benefits. However i recently went for an investigation for a condition I currently have, which turned out to be completely harmless. However B has excluded me from that condition's cancer due to the investigation done.

I want to ask if I should accept B's plan with the exclusion or remain in the worse off A's plan.

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Jonathan Chia Guangrong, Fund Manager at JCG Fund

Jonathan Chia Guangrong, Fund Manager at JCG Fund

Level 9. God of Wisdom

Answered on 31 Dec 2020

Talk to your agent from insurer B. Is there a way to remove the exclusion?

Best time to get this discussion done is near / during month / quarter / year end period when insurers are pushing for closing sales.

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