They only cover healthy person

I am talking about the insurance, they only care for those 100% healthy. Why I say this??? definitely I have come across problem with insurance.

The story start somewhere 4 years back. I have cough problem which last 6 months and was cured by doctor using the asthma gas. Only at that point I was told that I have asthma, which never come across to me because our family do not have asthma problem.

My parent cannot accept that I have asthma and they get me some special ginseng powder from one relative. It took almost 2 years before I don't have to use asthma spray.

Then come one friend happen to be insurance agent and trying to sell me Insurance. I told him I don't have a lot of money to invest, he then proposed to buy medical card. Well, that's sound acceptable to me. I told this agent, I was diagnose with asthma problem and still using spray some times. This agent was so confident that he can arrange it and get me the medical card. The agent said I only need to go for medical check up and he will handle everything. You know what happen, the doctor he bring me to see only ask me few question and do not really do any check up. Later, I never heard from this insurance guys any more.

Lately, when I want to buy insurance for my baby girl, I met another agent from the same company. He told me, my name was listed in their company as asthmatic patient and being rejected to buy insurance. (I regret that I told the last agent that I have asthma....I should have keep quiet.)

Lucky this insurance agent is helpful and he bring me to their company doctor and request for a full check up. This agent told me the doctor said I am very healthy and do not have any sign of asthma. I just keep my finger cross when he said I should not have problem to get the insurance. Yesterday, this agent call me up and tell me the good news. My insurance application has been approved.

So, the conclusion is you must be healthy when you buy insurance or you wouldn't be accepted for the insurance and will be blacklisted in their company list.