facebookHi guys, my mom currently has no health insurance. She has a pre-existing medical condition (Hep B carrier since 30 years ago with no symptoms). What should I do? - Seedly

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          Anonymous

          14 Apr 2020

          Insurance

          Hi guys, my mom currently has no health insurance. She has a pre-existing medical condition (Hep B carrier since 30 years ago with no symptoms). What should I do?

          Hi guys, my mom (age 57) currently has no health insurance. She has a pre-existing medical condition (Hep B carrier since 30 years ago with no symptoms). Should I still proceed to get a shield plan with exclusion (have sought out quotes from GE, NTUC and Aviva)? What other areas should I focus on getting for her as well?

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              Discussion (8)

              What are your thoughts?

              Colin Lim

              Colin Lim

              13 Apr 2020

              Level 9·Financial Services Consultant at Colin Lim

              Hi, most probably will have exclusion.. Unless u have positive doctor report.
              You can look into 5/10 years renewable term for her..as u know... Covid19 is more dangerous to our old folks.
              Secondly, u can looking into long term care. Upgrade your mom eldershield plan. Or opt in eldershield if she do not have.

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                  Pang Zhe Liang

                  Pang Zhe Liang

                  13 Apr 2020

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

                  We need a bit of information with regards to her Hepatitis B situation. Generally, there may be an exclusion. In any case, I will still strongly encourage you to consider getting her a proper healthcare insurance coverage. This is because we are insuring her for all except the excluded pre-existing medical condition.

                  In the situation when she needs to seek treatment for the excluded condition, we can always fall back on MediShield Life.

                  More Details:

                  Is MediShield Life enough in Singapore?

                  Next, we need to have a complete understanding of your mother's existing insurance portfolio. Through this process, it allows us to understand the coverage that we have, any financial gap, as well as to find out whether we are overpaying for our insurance policies.

                  Key Reasons Why:

                  Why Every Client needs an Insurance Policy Summary

                  Thereafter, we can decide on the key areas to focus on. For instance, it could be on accident and injuries, critical illness, retirement planning and so forth. Without listening to her and knowing her needs, it is difficult for us to guess and attempt to give you the right fit.

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

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                      Hariz Arthur Maloy

                      Hariz Arthur Maloy

                      12 Apr 2020

                      Level 15·Independent Financial Advisor at Promiseland Independent

                      Hi Anon, consider doing a preliminary underwriting with every insurer and provide latest medical rep...

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