I will be introducing a series of Special Needs Advice services over the next few months. As I do financial planning for clients, I noticed that there are certain segments of the population who have certain special needs which are very difficult for typical financial advisers to handle. For the first installment of special needs advice, I want to announce the availability of Medical Insurance for Uninsurable Persons.

The word “uninsurable” simply means the inability to buy insurance mainly due to pre-existing illnesses. I have encountered numerous clients who are uninsurable. Although they are willing to pay any amount in premium to get them covered, no insurers are willing to take them for obvious reasons. Therefore, almost all financial advisers avoid such persons.

Recently, I have a client who was previously a cancer patient. He was already previously rejected by other insurers. As he did not have any medical insurance, I sought the help from my business associate specializing in international health insurance products. As a result, my client was able to buy a medical insurance despite the pre-existing illness. The policy is not from the usual insurers in Singapore. This is an example of specialized planning for the Uninsurable Persons.

If anyone is keen to obtain an advice on such product, drop me an email at the “Contact Me” link on the left. The consultation fee is a flat $100 for up to 3 hours product advice at our office during office hours only. Prior appointment is required. The consultant is my business associate specializing in international health insurance.

In the event if a more comprehensive financial planning (other than insurance) is required, I will be glad to avail my service. Separate fees apply.