The daughter wanted to buy a Private Shield for her father, who was already covered under Medishield. Her father is almost 70. Due to health status, the Shield policy carried several exclusions and charged a higher premium.
Here is my reply to her:
It is best for your father to say on Medishield. There is no need to change to the private Shield, especially as they have so many exclusions and you are paying a higher premium. Even if there are no exclusions, there is no need to upgrade.
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I am waiving my consultancy fee. No need to pay me. You can give me a call at 66599611 to talk to me further.
Tan Kin Lian