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kmlim
06-12-2010, 04:31 PM
I've just did my blood test and know that I've high TG (Trigrecerade). Then I've happen to want to buy life insurance, should I straight away tell them that I've high TG.
I am also working hard to reduce the TG now on my own but my doctor has start prescribing drug to me though I've yet to consume them since I wanted to do my best on my own 1st.

cskok8
06-12-2010, 06:12 PM
You are supposed to declare that (unless it is just borderline). Otherwise in the event of a claim; if the insurance company discovers this fact, they can and will decline.

Whether this blood test result will be discovered or not is another matter. If it is something unrelated, eg a road traffic accident, they may not investigate. However if it has something to do with high TG, and it happens soon after you have bought the insurance, they may check around the labs and see whether any tests have been done on you.

Sentinel
07-12-2010, 12:04 AM
If you are so confident you can improve your TG, then delay slightly signing on a policy until then. Once you have achieved your desired TG level, then you can pass the test they put you through, its safer coz at the time of purchasing the policy (ie signing on the proposal form and paying your first premium cheque) you're fine.

rakyat
08-12-2010, 09:03 AM
If you are so confident you can improve your TG, then delay slightly signing on a policy until then. Once you have achieved your desired TG level, then you can pass the test they put you through, its safer coz at the time of purchasing the policy (ie signing on the proposal form and paying your first premium cheque) you're fine.

Cannot-la bro, it is already pre-existing (there was a test done with know result) Just declare it, they will still accept your proposal but 'might' exclude illnesses due to high TG

CS Chua
08-12-2010, 09:17 AM
Cannot-la bro, it is already pre-existing (there was a test done with know result) Just declare it, they will still accept your proposal but 'might' exclude illnesses due to high TG
Be careful here and especially how they word their exclusion. I had a similar situation like yours about 25 years old. They excluded by using words like "directly and indirectly caused by...". I asked for a definition what they mean by "indirectly" and they would not clarify. I want more specifics because this word is open to interpretation by anyone. At the end of the day, everything can indirectly cause it. If I have to pay insurance until age 65, I sure darn would not pay for this exclusion clause so I rejected their offer. Having high TG does not guarantee a fatal heart disease. I am still around and kicking. If you have high TG, you need to do regular exercise, cut down on fatty food (like bak kut teh and fried kuey teow) and every time you take fatty food like BKT, a friend said taking a teaspoon of rice-based white vinegar will keep the fat away. Well, it works for him because his readings are darn good.

kmlim
10-12-2010, 10:02 PM
thanks for all the reply, while insurance would do every ways to protect themselves we also deserve the same right.
Can anyone tell me what is the worst case scenario if we are caught not declaring, ie, will our premium won't be refunded at all.
I heard from 1 insurance agent that they will refund all your premium, but this does not sound logic because even you cancel off your insurance half way thru you still won't get the full premium that you've paid.

zinglicious
11-12-2010, 11:34 AM
Always read the fine print of any contracts and the life insurance proposal form is an actual form of contract. Many fine print but it has a standard form of declaration at the begining which states " that things that you know or ought to know have to be declared otherwise the policy would be rendered void to the non disclosured material facts and informations.
So, dont play play because you guys can hardly fool the insurance company whereas the insurance companies can play play with you with big prints and small prints when you signed on the dotted lines.

kmlim
12-12-2010, 01:00 AM
If you have high TG, you need to do regular exercise, cut down on fatty food (like bak kut teh and fried kuey teow) and every time you take fatty food like BKT, a friend said taking a teaspoon of rice-based white vinegar will keep the fat away. Well, it works for him because his readings are darn good.
I am near to 60kg and with height of 1.65m, the doctor can't even explain why I've high TG just to blame it on hereditary which is true for me because most of my siblings have high Cholesterol or blood pressure though not high TG

pucman
12-12-2010, 10:44 AM
I am near to 60kg and with height of 1.65m, the doctor can't even explain why I've high TG just to blame it on hereditary which is true for me because most of my siblings have high Cholesterol or blood pressure though not high TG

As I have said many times, the quality of most doctors in Malaysia are poor. Don't believe their diagnostic without confirmation from other sources.


I have also complained of headache for several years and they can't trace the cause until I found the answer from the internet. :rolleyes: