Dear Mr Tan,
What is your advise for clients who are already suffering from chronic diseases. I know a friend who has diabetes, high blood and is suffering from kidney failure.
Does this mean these people will not need to buy any insurance now? its too late?
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My reply:
Your friend can buy personal accident insurance.
It will be difficult to buy life or medical insurance, if his health is extremely poor. He can find out about how to use the subsidised medical facilities provided by the Government, and keep the medical bills as low as possible.
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