joseph Sng

Why your clients must be sincere when filling medical questionnaire: Joseph Sng

An insurance agent, Jospeh Sng has advised his colleagues in the insurance industry to practise due diligence and ensure their clients open up on their pre-existing health conditions when filling a medical questionnaire.
Joseph, who made this known in a statement on Tuesday, stated that have been an increasing amount of claims being rejected recently due to “non-disclosure”, with allegations from the complainants that their agents knew about the conditions but told them it was fine not to declare.
He said: “to all agents, do note that if you knew that your clients have got pre-existing conditions and helped them to not disclose during policy application and/or make false claims subsequently, it will be a chargeable offence.
“You could get both your self and your clients into trouble later on, should the insurers wish to pursue further.
“There have been an increasing amount of claims being rejected recently due to “non-disclosure”, with allegations from the complainants that their agents knew about the conditions but told them it was fine not to declare. Sometimes minor conditions or even visits to the clinics that occur many years back are crucial for underwriting as well.
“I believe none of you here would want your clients to come back once day to allege wrong-doings on your end when they couldn’t get to claim.
“So hope everyone here can practice due-diligence and get your clients to declare everything accordingly in the Medical Questionnaire, and not make empty promises to your clients that their claims could be admitted without checking with your backend.
“Do not ever ask your agents to not disclose any crucial information and later on allege that your agents were the ones who know but told you not to disclose. You will get yourselves into a deeper trouble if insurers suspect that you willingly non-disclosure information just so that you could make a claim on the insurance.
“Be prepared to have your claims rejected if you decide to take the risk to not disclose anything at all”, he added.