Child is underweight, leading to Loading
A friend is applying for Niva Bupa health insurance policy, the relationship manager is suggesting that we increase the weight by 5-7 kgs for the two children as they are slightly underweight. If the actual weight is being disclosed, it leads to a loading of 10% each.
The relationship manager is suggesting, that it will not be an issue as the kids' weight varies. We want to believe the RM and pay a lower premium, however, we don't want to be in a situation where to save a 3-4 thousand, the claim does not get approved when the time arises.