Can you get disability income insurance if you have pre-exisiting conditions? What are some examples of disability income insurance?

Yes, you can. While some Disability Insurance Company will automatically disqualify you from coverage, there are some that continue to provide coverage.

If the pre-existing condition is on the excluded list, you will still be allowed to apply, but you would not receive coverage for that condition. Alternatively, if the pre existing condition is covered, you might be charged a higher premium for the policy.

Essentially, it is key to disclose any pre-existing condition at the point of application. Insurers have the rights to deny your claims if you are found to withdrawn these information when applying for the policy.

Do reach out to us and we can provide you some recccomedations that is tailored to you.

Hi anon,

Disability income insurance is subject to medical underwriting and hence there is a possibility that any pre-existing conditions may lead to rejections or exclusions. So this really depends on what the condition is.

Currently, 3 insurers offer disability income insurance. You may refer to their websites for more information.

• Aviva's Ideal Income: https://www.aviva.com.sg/en/insurance/life-and-...

• AIA's Premier Disability Cover: https://www.aia.com.sg/en/our-products/disabili...

• Great Eastern's Pay Assure: https://www.greateasternlife.com/sg/en/personal...