FAQ — Senior Insurance Consulting

Prepare copies of existing insurance policies, a concise medical history including current medications, and any recent medical reports. Also provide details about intended care preferences and a summary of household revenue and assets to allow us to align coverage with affordability and planning objectives.

We evaluate policies across contract clarity, benefit triggers, exclusions, premium escalation and claim precedents. Each policy is scored against the client’s prioritized risks. The output is a short-list with annotated pros and cons and a recommended sequence for action.

Recommendations focus on product features and suitability rather than promoting a particular insurer. When a specific provider is suggested, it is because their product architecture aligns best with the client’s assessed needs and constraints.

We advise an annual review cycle or sooner after major life events such as retirement, significant health changes or changes in caregiving arrangements. Regular reviews help ensure coverage remains relevant and appropriately scaled.

Yes. We assist with documentation preparation, framing medical evidence in relation to policy definitions and outlining formal escalation steps under Singapore’s regulatory processes. Our role is to clarify the record and support constructive engagement with the insurer.

We document pre-existing conditions transparently and assess how different insurers treat such disclosures. Advice includes whether to seek medical opinion updates, timing of applications and an understanding of potential exclusions or waiting periods.

Our advice reflects current regulatory standards and insurer practice as of 30-04-2026. We flag any regulatory implications relevant to a recommendation and provide plain-language summaries to assist clients in decision-making.

Fees are communicated upfront and based on the scope of work: a single policy assessment, comprehensive collection review or ongoing advisory engagement. We provide a clear fee schedule before work begins so clients can decide with full information.

Yes. We consider residency, portability clauses and cross-border care implications. For complex cross-jurisdictional matters we coordinate with local specialists to ensure recommendations account for both Singapore rules and relevant foreign frameworks.

An initial assessment typically takes 7–14 business days from receipt of full documentation. Timelines vary based on the complexity of medical records and number of policies to be reviewed. We provide an expected timeline at the outset.

Contact us via the form on our site or call +6583239613 to schedule an initial discussion. We will outline the information required and provide a proposal for the scope of work and fees.