Are there any plans that cover an individual even though they have pre-existing conditions? A few years ago I think there are some with limited coverage and high premium. Any advice?

As your pre-existing condition may be private and confidential for yourself to disclose on the net, It will be hard for anyone to recommend any specific plan for yourself.

What you can do instead is to contact a representative from each different company to inquire about the availability of plans while disclosing your condition to them. Usually for a hospital/ Critical illness plan, such pre-existing conditions will either be excluded. For Life/endownment plans, you'll most likely be loaded( pay more premiums as your risk of death/ TPD is higher).

Hi Elson,

What kind of Pre-Existing condition are you referring to? Pre-existing conditions may still be covered, depending on what the condition is, whether it is stable or under control, the severity, etc.

For example, it is common to see elevated cholesterol levels. This would be considered a pre-existing condition but from prior experience, this is generally not an issue for underwriting. Or, someone might have high blood pressure.

If you are talking about chronic diseases, then you have to be more specific. For example, Diabetes type 2 can be covered by a few insurers, but type 1 diabetics can only get coverage from one plan (at the moment). I have done a case where a client had a chronic disease (life long medications) but her CI plan was accepted at standard rate, but she was rejected for shield plans.

So depending on what the condition is, you might not necessarily need to go for a plan that covers limited conditions with a higher premium.