Anonymous

14 Sep 2020

∙

Any advice for those who are unable to get insurance coverage due to congenital disease diagnosed from very young? I already topped up Medisave to max.?

How to cope with 10% medical inflation? Unable to invest Long term cos might need cash to pay medical bills. Have IP shield that excludes my medical condition. Got rejected for CI & cancer standalone plans from 3 insurers. On lifelong medication & follow up.

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Samuel Don Oh

14 Sep 2020

Hey there!

I'm sorry to hear about the Application outcome.

Ultimately there is MediShield that covers for hospitalization costs even with Pre-existing. You can try applying for plans that have simple underwriting procedures (eg 3 qns only) eg. AIA Multistage Cancer.

The other option is to get a GIO plan such as a wealth accumulation plan or Personal accident plan since personal accident plans do not have underwriting in general.

Do consult a licensed advisor to see what best meets your needs. You can reach me here to find out more or email me @ [email protected]

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