slow, deep breaths
by justine
since a couple of years ago, i’ve been insured against accidental injury. complemented nicely with a 24/7 medical card. not really my idea, but ma was always worried when i went out ‘alone’ at night. well, you could always have loaned me the car!
so recently i have sort of upgraded/merged my policies. it’s a bit complicated with changing agents, canceling the medical card but maintaining the PA, applying for Life this month (while i’m 25) and waiting for the roadshow in january to get the best of both worlds on the new medical card.
admittedly i signed up with this company because a) i understand the workings thanks to 6 months as a personal assistant b) i actually believe in it.
but my lifestyle has put me in an awkward position: unable to get coverage for any asthma-related illnesses and classified as “high risk” which means a higher premium.
they will reconsider me if i go 4 years without a single attack, but judging from the 20+ ciggies i smoke a day, i’d say there’s little chance i go 6 months without incident. well, i can just take my seretide + transfer factor combination and hope for the best lor.
why did u cancel the medical card b4 u get another one? won’t be it dangerous if sthg happens to u while u r waiting for the first 180days to pass for the new one?
why 180 days?
it’s effective immediately after approval. so i’m at max 15 days uncovered?
no lar. the 36 critical illneses mar.
if one of them showed within the 180 days cld mean that u had suspicions of u getting it b4 u took up insurance so u know u wld definitely be needing insurance. and etc etc
like that.
u know, to avoid ppl buying insurance coz they definitely know they wld need it to cover heavy hospital bills.
ohhh. no no. haven’t cancelled yet. will cancel it in january under agent #1 because i want to transfer it to agent #2.
they don’t have to worry i’m scamming them. it’s a current card. they’re very aware my medical history etc.
but doing that will also give ur agent no1 probs. coz the insurance industry dont encourage agents pinching other ppl’s clients. so…. cancelling ur policy and getting a new one in less than a yr will cause a bit of prob.. i dont knw what kind tho. im not gengchao like that yet
won’t cause any problems. we’re going to transfer it in a very legit way.
i’m continuing the pa with my current agent for another year. it’s just the medical card that i’m transfering in jan.