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Wednesday, 1 July 2015

A Policy Holder Concern about Exlcusion.

After reading the facebook post by Raymond Ng​ below...

">15 years ago, when I bought AIA insurance with critical illness coverage, AIA asked me to go to their appointed medical clinic to check up. Upon clean bill, AIA accept my application.

Now, insurance pass the responsibility to consumers. If known illness not declare, it may end up not able to claim the insurance.

Why not insurance take up the responsibility to have their doctor conduct check up first before accept the insurance application? If there is exclusion per medical check up, stated it in the agreement up front.

In that way, both insurance company and consumer will have peace of mind."


I approached my professional friend Christopher Tan​ and had a discussion.

It is true:

Under the life or general insurance policy, there is usually a non-dispute clause. This clause states that the insurance company cannot dispute a claim on grounds of non-disclosure after a lapse of one or two years from the issue of the policy, "except in the case of fraud". Some claim officers argue that non-disclosure is fraudulent. They are mistaken. If challenged in court, they are likely to fail.

What you need to do before purchase of any policy is to declare as true as possible your current health status and the above non-dispute clause will be valid.

Alternatively, you can now approach your insurance planner to check whether you have any exclusion status and/or whether the non-dispute clause is in your current policy.

You can also do a comparison of the policies you need at


Last but not least,

You can check out my old post on

In What Situation our claim might not be valid?

Insurance Yourself Safely Everyone!

1 comment:

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