facebook36 year old female permanent resident with a pre-existing heart condition from 25+ years ago (perfectly healthy now) looking for health insurance to cover other areas. Any advice? - Seedly

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Anonymous

14 Oct 2020

Insurance

36 year old female permanent resident with a pre-existing heart condition from 25+ years ago (perfectly healthy now) looking for health insurance to cover other areas. Any advice?

Hi experts!
My pre-existing medical condition is a previous heart surgery to replace a valve and my surgeon (private hospital) has confirmed me to be in great health with no other issues.
However, this medical history has gotten me rejected from a few insurance companies. I'm looking for plans that cover everything except the heart.
Would anyone here have any advice? I just don't want to go through the hassle of applying for multiple plans and ending up with more rejections :(
Many thanks!

Discussion (5)

What are your thoughts?

Hariz Arthur Maloy

Hariz Arthur Maloy

13 Oct 2020

Level 15·Independent Financial Advisor at Promiseland Independent

Hi Anon, sorry about your existing condition. It'll be pretty tough to get health insurance after a heart illness.

However what you can consider would be international health plans. They may have some exclusions for any pre existing for 270 days, but cover you 100% after that period.

I'll look into either Aetna, Bupa, or Cigna.

Just note these policies are pricier than our local Integrated Shield Plans and are usually sold to expats or international business owners that travel around, but this may be your only chance to get coverage for health insurance. Most local insurers wouldn't even bohter trying to take any risk.

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Pang Zhe Liang

Pang Zhe Liang

14 Oct 2020

Level 14·Senior Financial Services Consultant at AIA Singapore Private Limited

I need more details regarding your medical history. Thereafter, we can give you a better evaluation on whether it is possible to get healthcare insurance coverage. While the general consensus is to decline the case because of underwriting risk, there is a chance of exclusion as well. All these will depend on the exact nature of your medical condition.

I share quality content on estate planning and financial planning here.

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