Please note that you should have a basic plan before going in for Top up (excess paid) or Super top up (cumulative).
Most importantly you should have an agent who will help in CLAIMS and not just sell the policies.
It is noted that many insurance companies sell the policy promising everything and when it comes to claim go through fine tooth comb to avoid paying any claims.
A small scratch during your school days could become a preexisting for a heart attack.
MY ADVICE TO POLICY MAKERS IS AT TIME OF INSURANCE LIST OUT PRE EXISTING AS PER CLIENT AND AS PER THE FINDINGS OF MEDICAL TESTS. REST ANYTHING SHOULD BE CLEARED AND NOT GO THROUGH NON EXISTING LINKS TO DISEASE AND REFUSE CLAIMS.
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