The exclusion is quite general, it doesn’t give much details. I read that Bupa service for claim is quite bad. We are comparing Allianz and Bupa for now to see which one suit us better. I suspect they might just cover the same thing and the diff is the price per month. Oh I have a question, does any of these private insurance covers death? For example, in Singapore if I purchase a death insurance, they will give a pay out if the insurer died of accident. I could not find the info for private health insurance.