Never buy insurance from this company. It is a total scam. I bought it from its UK branch for international coverage then moved to SG. When I wanted to make a claim in SG, they asked me to fill out a form about my previous medical conditions (regardless of whether the condition is emergent or not). More ridiculously, they only allowed my UK GP to fill it out. Unbelievable, I was in SG and bought international insurance which cost over 4000 pounds a year. Why did not they ask my UK GP to fill out such a form before I bought the insurance? Because they then could have an excuse to delay your claim. Eventually, you would have to pay by yourself because they would not reimburse you unless you got their pre-authorization. This is a total scam. I never see such an unprofessional company that only increases your burden/stress when you are ill and want to make a claim (I only paid 100 sg dollars to see the doctor and got solved of the issue). I would never recommend such a company to anyone.