JUSTICE FOR CLEFT BABIES!!

I received an email from ING with regards to Zarif's declined application.  This is the email :- "Case was reviewed when we received email from *************. Regret to inform that we are unable to consider HS plan to the life insured who is only 8 months old with palate lip repair surgery done in June 2012. Cleft lip may increase risk for upper respiratory tract disorder, speech defects, hearing impairment and infection of middle ear. The risk for HS plan is very high at current stage. Client with cleft lip/palate may need a revision surgery at a later age depends of the recovery." And my reply:- Dear ****, Kindly inform your underwriter or whoever that sent you this email to get their FACTS correct. 1.  Zarif did NOT had any palate repair surgery.  Kindly ask your underwriter to search in the dictionary what palate is and what lip is. 2.  All the risk stated are for Cleft LIP AND PALATE, whereby Zarif only has cleft lip problem.  Do browse http://www.clapam.org.my/ to know more about cleft.  Whatever it is, I thought anything related to Cleft would be excluded from the policy?  Why suddenly this came out as an issue? My child will forever be a cleft lip baby regardless of what age he will be later.  As such the deferment proposal proposed by ING will never be applicable to him as it will forever be deferred.   I guess ING would have their facts correct if ever ING get the medical report of Zarif.  However, ING was just too proud to even request for it and I shall and will not grant any permission whatsoever after this, for the fact that ING is not interested at the first place. *****, I really appreciate your cooperation and understanding in handling this matter.  However, I am sorry to inform you that my husband and I have decided to withdraw for Zafri's proposal too.  Both Kamal and I feel very offended how Zarif's case being treated at the first place by ING.  Kindly do the refund accordingly.  I guess I will have to find other insurance company that would be interested to insure Zarif or at least be fair to him.  Thank you once again for your time and effort.  Puan Zuraini - CLAPAM, For your kind info.  I take into heart how this being handled by ING.  Regards, Baizura

OFFENDED!!!!

Well well well..... I seriously feel so offended with ING Insurance.  I am applying for my twins insurance with them.  ING defer Zarif's application until he reach 1 year old.  Defer is the most polite way of saying my current application has been declined.

Reason :-

1. verbally said because he had a surgery at a very young age.  Any cleft babies would be advised for a surgery as young as 3 months old (I think ING need to read through or study what Cleft is all about).  

Facts :-

1. the application has been declined without granting any medical report from the surgeon nor the hospital.  
2. Cleft lip repair is not a life threatening disease.
3. I have agreed for an exclusion for anything related to his cleft lip repair.

Offend :-

1. they offer a deferment proposal and a form for me to sign to agree on Life Insurance Policy since Zarif is not eligible for the medical card.  What kind of mother do they think I am???  Want to be benefited after??  I want an insurance coverage for my son for his presence!  How insensitive!!
2. they forward an authorization form for medical report - NOW?? After they have declined??
3. ING is one of the biggest sponsor for CLAPAM... and I seriously do not expect this from them.

IF they were to decline based on any medical report or requesting me for a higher premium, I would understand.  But to decline at the first submission...(oooopsss defer as they put it) is totally offensive.  At the age of 1, Zarif will still be a cleft baby and had his surgery at age 3 months old!

Justice for all the cleft babies out there!! They deserved to be insured too!!