I think having send below email to you and received unsatisfied response from LMG via Lockton on their incompliant to my request particularly for the Memogram requirement.
Has Lockton really talked them out that all exclusion/exception from Last year shouldn’t always be used for this year since the insured have been under LMG policy more than one full year already.
1. If they still need Memo gram when it is not necessary, please ask LMG to cover for the cost of my Memogram test then.
2. For dental, (by the way, I am submitting attached dental claim documents , original receipts and doctor form will be sent to you from Phuket ka), my dentist commented that it is not possible to have that many teeth stated as exclusion on my policy as no declay fixed will last a life time. She is suggesting me to have my root canal and crown on tooth # 26-27. Please get LGM to approve in advance for dental procedures.