Maintaining the cooperative spirit?

Dear Mr.Tan Kin Lian,
First of all, let us express our great appreciation to your various financial planning advice extended to members of public which we find them beneficial and informative.

We applied for Incomeshield and has been offered which will practically exclude most major illnesses, making the scheme less meaningful and less relevant to us.

Is there a way for us to appeal for a waiver or any other better alternatives for our health insurance? We have declared thoroughly our medical background to NTUC including the contact details of our regular doctor. Our doctor can help to certify that our medical condition is well within the limit and show no sign of deterioration in the last few years under present medication.

REPLY
I suggest that you write to NTUC. I hope that they still retain the cooperative spirit and are willing to treat their customers differently from other commercial insurance compnay.