'Born with one kidney: Income rejected, Great Eastern accepted'

there's a letter published in the st forum today from one ms lim siew kim who highlighted the fact that her daughter's application for a hospitalisation plan was accepted by great eastern life but rejected by ntuc-income. ms lim's baby daughter was born with one kidney but was deemed to be healthy in every other aspect by their paediatrician. in rejecting the application, ntuc-income stated that their daughter's absent kidney and the remaining other kidney being larger than normal, poses a risk. ms lim was impressed with the professional assistance in applying for a policy with great eastern life and approved their daugther's application in less than two weeks. my comments: first, kudos to great eastern life but i can't assume to speak for ntuc-income in this case but it is certainly an abnormaly to be rejected here but accepted by another insurer. perhaps ntuc-income should not have rejected this case but instead, channelled it to higher management for further consideration. like anyone else, i await ntuc-income's response to ms lim's letter and i believe the head honcho of ntuc-income, mr tan suee chieh will weigh in with his response.