When our representative approached Mr Ng for insurance policy, he
was convinced and bought a Foundation policy for his 6 years old
son. Our representative explained to Mr Ng the importance of getting
covered for unforseen circumstances. Starting an insurance policy at
a young age would also mean lesser premium. Aware of this fact, Mr Ng
immediately bought a Foundation policy with sum assured of $65,000 for
his son who was still in the kindergarten class.
All was well until about one and half year after policy inception, Mr
Ng sent his son to consult their family doctor for fever and vomitting.
His son was prescribed with some medicine and was advised to have a
good rest. However, his condition deteriorated and a month later was
admitted to hospital. After a thorough examination, the doctor at SGH
diagnosed him of third ventricle pilocytic astrocytoma (brain tumour).
Mr Ng was informed that his son had lost his eyesight as the tumour
has affected his eye nerves.
Soon Mr Ng has great financial difficulties to meet up with the high
hospital bills. Fortunately, our caring representative came to know
of his plight. Our representative immediately called Mr Ng and
comforted him that he had bought a policy that covered his son against
permanent and total disability. Our representative helped him to submit
a permanent and total disability claim with Income. The relevant reports
were obtained and payment of permanent & total disablity was admitted
without delay.
Mr Ng was very happy to receive the first instalment payment (10
percent of SA) of his claim. He could use this insurance proceeds
to help out in his payment of medical bills.
Currently, his son is in the school of the visually handicaped to
learn skills training such as daily living activities, mobility,
braille, language and vocational. Mr Ng will continue to receive
instalment payments from Income for 4 years. At the end of the
fourth year, the balance amount will be admitted. Though his son's
eye sight can never be cured but at least he was able to continue
to provide his son with proper education and care that he needs
financially using the insurance proceeds.
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