Why have any medical insurance at all?

Why?

Its mainly because after a certain age in your life (in your 40’s), to obtain a decent policy will be a bit tough as you’ll need to undergo a medical exam. Sometimes its more than that such as blood profiling, a stress test etc. And all this with no guarantee that your policy will be approved.

One way to ease this matter is by taking up a group medical policy under your company or place of work. But the catch is, easy to approve but the limitations of the benefits might not be as high as an individual policy.

And, for those of you who said your company provides enough medical coverage, think again as in the majority of large claims or serious illness, there will be limitations of what your company will spend on you.

There are a lot of packages available out there. Do a market survey and get the best one which suits your needs, budget & peace of mind.

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