Falling sick is expensive ... and especially so when you do not have adequate insurance coverage. We had taken the free basic hospitalisation plan from Great Eastern for OO but stupidly never looked into getting more coverage for her. And regardless it's fair or not, I put some of blame for that oversight on the agent. Another part of the blame goes to myself for trusting that he is giving us the best simply because he is Meimei's agent.
Since the first febrile seizure last June, we approached him to see if we could get more cover. He seemed nonchalant about it, commenting that it will be difficult to get more because of the hospitalisation. The best part of it was my utter dumbness to sign up for an accident policy with him for OO. I wasn't thinking right at the time. He's only interested in signing up the easy ones and leaving us dry on the critical ones. Meimei's close friend or not, he is not ever getting my business again ... no matter which insurer he works for.
We also tried getting OO a life policy with early critical illness at the same time. But because of the hospitalisation, we were again rejected. The underwriter deferred it till June 2017 to see if OO will go into hospital again. What the ... and this recent hospitalisation stay has practically closed all possible avenues of getting any coverage from Great Eastern.
Sigh ... Her stay costed about $5.8k and we weren't even in a single bedder. About a thousand was paid through Medisave and basic hospitalisation covered another thousand. We had to pay the balance $3.8k in cash ... It practically burned through any holiday plans for the year. Aaarrrrghhhh!!!
So now I'm trying to get coverage with my AIA agent of 25 years. He has 5 kid of his own so he knows the type of coverage a parent should have. If he delivers the hospitalisation plan, I'm gonna change all of OO's insurance and mine to AIA. Already we were able to sign up for a life plan through him ... hopefully he can push this through too.
Since the first febrile seizure last June, we approached him to see if we could get more cover. He seemed nonchalant about it, commenting that it will be difficult to get more because of the hospitalisation. The best part of it was my utter dumbness to sign up for an accident policy with him for OO. I wasn't thinking right at the time. He's only interested in signing up the easy ones and leaving us dry on the critical ones. Meimei's close friend or not, he is not ever getting my business again ... no matter which insurer he works for.
We also tried getting OO a life policy with early critical illness at the same time. But because of the hospitalisation, we were again rejected. The underwriter deferred it till June 2017 to see if OO will go into hospital again. What the ... and this recent hospitalisation stay has practically closed all possible avenues of getting any coverage from Great Eastern.
Sigh ... Her stay costed about $5.8k and we weren't even in a single bedder. About a thousand was paid through Medisave and basic hospitalisation covered another thousand. We had to pay the balance $3.8k in cash ... It practically burned through any holiday plans for the year. Aaarrrrghhhh!!!
So now I'm trying to get coverage with my AIA agent of 25 years. He has 5 kid of his own so he knows the type of coverage a parent should have. If he delivers the hospitalisation plan, I'm gonna change all of OO's insurance and mine to AIA. Already we were able to sign up for a life plan through him ... hopefully he can push this through too.
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