Pre-Existing Condition Cover

A pre-existing condition can be any illness/disease/health condition that is present before/while you are starting your health insurance policy. Pre-existing conditions can be major health issues or minor conditions. Few examples of pre-existing conditions include a skin condition, diabetes, an old knee surgery, cancer that is under treatment or reducing, viral infections, past injuries, asthma, etc. Insurance providers in Singapore are covering people with such pre-existing conditions. However, not all insurance companies in Singapore provide coverage for pre-existing conditions. MediShield Life provides coverage for people with pre-existing conditions.

Pre-existing Conditions With High Severity

The Singapore Ministry had a survey on pre-existing conditions with high severity. People with such conditions are supposed to pay additional premiums, under the guidance of clinician specialists. Broad categories for differentiating various pre-existing conditions with high severity were created. Additional premium is subject to certain factors like nature of the condition and its severity. The broad categories and few examples of pre-existing conditions with high severity are listed below:

  • Blood disorders like thalassemia major, aplastic anaemia, etc.
  • Circulatory system diseases (including heart) such as coronary artery disease, ischaemic, etc.
  • Cancer including colorectal cancer, stomach cancer, breast cancer, lung cancer, etc.
  • Degenerative disorders like Amyotrophic Lateral Sclerosis (ALS), parkinson’s disease, muscular dystrophy, etc.
  • Respiratory disorders such as obstructive pulmonary.
  • Immune System disorders like HIV/AIDS, systemic lupus erythematosus, etc.
  • Cerebrovascular illnesses like stroke.
  • Liver disorders such as chronic hepatitis, alcoholic liver disease, fibrosis or cirrhosis of liver, etc.
  • Renal disorders including renal failure, chronic renal disease and chronic nephritic condition.
  • Psychiatric conditions like schizophrenia.
  • Congenital diseases such as biliary atresia, congenital heart and renal disease, etc.
  • Serious complications and chronic conditions like kidney and heart diseases that are hypertensive, diabetes with eye and kidney complications, etc.

However, additional premiums is not applicable to everyone with pre-existing conditions with high severity:

  • Pre-existing conditions with less severity that can be well-controlled such as hypertension with no complications, well-controlled diabetes, fibroids or cysts, osteoarthritis, pre-cancers, etc.
  • People who got hospitalised due to an event like dengue fever or an accident.

Pre-existing Conditions Insurance Features and Benefits

Let’s know in detail about insurance providers and plans that cover pre-existing conditions.

AXA GlobalCare Health Plan

  • AXA Health Insurance GlobalCare Health Plan provides coverage for pre-existing conditions for selected plans.
  • Get reimbursement for medical expenses like hospitalisation expenses, pre-hospitalisation and post-hospitalisation treatments, hospice and palliative care, and outpatient treatments.
  • Enjoy maternity and newborn benefits with selected plans. Get an additional coverage for mums-to-be in case of prenatal and postnatal complications.
  • Get coverage for vaccinations, optical and dental care, alternative treatments like homeopathy, traditional Chinese Medicine, etc. with selected plans.
  • You don’t have to pay anything from your pocket with AXA GlobalCare Health Plan, since it covers you from the first dollar itself.
  • You need not undergo medical examinations for getting AXA GlobalCare Health Plan.

AXA InternationalExclusive

  • AXA InternationalExclusive is an expatriate health insurance plan that can be used within Asia or abroad.
  • This plan covers specialist consultations, general practitioners, dressing, prescribed drugs, vaccinations, and diagnostic tests.
  • It covers pre-existing and congenital conditions but it is applicable only after 270 days of consecutive membership.
  • You can get cashless hospital admission after approval.
  • With AXA InternationalExclusive you will also get the coverage for maintenance of non pre-existing treatments and chronic conditions.
  • You can get information about your plan and claims any time, i.e. 24 hours enquiry is available.
  • With this plan you can get emergency medical assistance overseas. Overseas evacuation and repatriation service is available at any time.

Pacific Prime Singapore – Plans for Pre-existing Conditions

To know the detailed plans and benefits for pre-existing conditions health insurance, you will have to request a quote from Pacific Prime Singapore on their official website. The coverage options available with Pacific Prime Singapore for pre-existing conditions are:

  • Full coverage: It means your pre-existing conditions are also included without extra premium or exclusions.
  • Pre-existing conditions coverage with premium loading: It means you have to pay an extra premium to the insurance provider to cover your existing condition.
  • Pre-existing conditions plan after a moratorium period: During moratorium period (usually it is 1-2 years) you won’t be eligible for claiming for treatments for your pre-existing conditions.
  • Pre-existing conditions plan after a moratorium period with low limit: This plan is the same as the above where you cannot make claims on your pre-existing conditions during the moratorium period, but a lower limit on claims is permitted after completing the waiting period.
  • Standard medical insurance excluding pre-existing conditions coverage: Pre-existing conditions are not covered but you can join the standard plan.
  • Refusal of coverage: The insurance company will not allow you to join the plan.

If you are having a pre-existing medical condition, it does not mean that you cannot get health insurance for yourself. You can compare the above plans and get one depending on your medical condition.

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