5 things most people neglect when buying health insurance
Ever heard of large insurance claims being denied? Negligence can come at a high price. Here are 5 important things to look out for.
1. Keeping your medical records up-to-date.
Go for medical check-ups at least once a year. In many cases, people were unable to file for claims because existing body ailments were not known and declared. Tip: Before meeting your insurance agent, bring along your updated medical records so that they can point out any red flags.
“Before meeting your insurance agent, bring along your medical records so that they can point out any red flags.”
2. Checking your family medical history.
Knowing your own state of health is the bare minimum, but it doesn’t stop there. If your family has a history of medical conditions such as high blood pressure or asthma, you may be more prone to them. No matter how fit or healthy you are, your gene pool is predetermined. Keep your family medical history in mind when looking out for health insurance policies to ensure they provide coverage for specific conditions.
3. High overseas medical treatment costs.
If you find yourself on flights regularly, you probably would have experienced falling sick overseas due to the change in weather, food, or even stress. Seeking medical treatment in another country can often be expensive due to complications such as the absence of medical records and language barriers. In some severe but exceptional cases, you may even need to be transported back home. An insurance plan that includes transportation and/or local hospitalisation would be a wise choice.
4. Making honest declarations.
Do you smoke or drink? When you are applying for health insurance, you are usually asked this question. Answer all these questions when filling in the application form carefully as non-disclosure of health information may lead to rejection of claims.
5. Reviewing your plans regularly.
Even if you already have insurance, you should still review your coverage yearly. Make sure that you are kept up-to-date with any changes to your insurance plan.
Always make clarifications if you’re unsure about something. If you have any queries regarding different health insurance plans, please feel free to contact us 
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