Enticed by lower premium rates last year, Ms Juliana Chia, 46, had been on the verge of cancelling her plan with another major insurer in order to sign up for one with AIA. The plan would allow her to claim for bills at private and restructured hospitals and also have a say over which doctor to consult.
However, when Ms Chia's agent found out that she has anxiety and has been taking sleeping pills prescribed by a psychiatrist, he told her that her application would not be approved.
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