Vespertine
Member
@gan1972
Adding on, the exclusion my client's baby was given was no payout for all gastro-intestinal disorders. This was because of the doctor's secondary diagnosis that her VIRT was due to gastro-intestinal disorders. Even though Doctor verbally told my client that baby is fine. But insurers will look at every word in a medical report.
To me this was a serious exclusion affecting the baby's whole life. Therefore we waited 3 months to get a memo written by the pd himself to certify that the baby does not have any consequential gastro-intestinal conditions resulting from that hospitalization.
Appealing for exclusions to be lifted can be a lengthy process for agents, but please insist that your agent does it properly for you. Be careful of agents who also hastily just want to 'close your case' and not bother about the possibility of exclusions.
Lastly, best is still talk to your agent. He/ she can advise better on his/her company's underwriting guidelines.
Adding on, the exclusion my client's baby was given was no payout for all gastro-intestinal disorders. This was because of the doctor's secondary diagnosis that her VIRT was due to gastro-intestinal disorders. Even though Doctor verbally told my client that baby is fine. But insurers will look at every word in a medical report.
To me this was a serious exclusion affecting the baby's whole life. Therefore we waited 3 months to get a memo written by the pd himself to certify that the baby does not have any consequential gastro-intestinal conditions resulting from that hospitalization.
Appealing for exclusions to be lifted can be a lengthy process for agents, but please insist that your agent does it properly for you. Be careful of agents who also hastily just want to 'close your case' and not bother about the possibility of exclusions.
Lastly, best is still talk to your agent. He/ she can advise better on his/her company's underwriting guidelines.