How to get insurance for patients with pre-existing medical conditions/illnesses/disability?

REPOSTED:

For your medical plan, you can consider trying Raffles Shield. They're more lenient towards High Blood Pressure.

For life insurance, you can go ahead and do a preliminary underwriting with multiple insurers and see what they say. It's not a formal application and you'd understand what the underwriters may say or ask for.

Even if they decide to load your premiums (increase it by a %), I'd suggest to take it up and buy as much as you can because it could be the last time you can buy a policy as you're only going to get older.

If you'd like to work with an Independent Financial Advisor and apply for multiple insurers at the same time, you can speak to me.

Hi anon,

I see that you are talking about your hospitalization plan. Raffles Shield has options which may allow you to take up hospitalization cover despite your underlying condition. It will also help your case if your blood pressure is under control with medication, but ultimately it is still at the discretion of the underwriter.

Beyond that you will want to look at Death and TPD cover if you have liabilities, and CI cover for expenses and out of pocket costs. Given that your HBP is genetic, you will have to live with it for life and hence now will be the best time to get coverage; it will only be harder and more costly as time passes by. You can perform a parallel submission to multiple insurers to get death/TPD/CI cover via an independent financial advisor in order to maximise your chances, even if all insurers respond with a loading, you will at least have options. I would recommend that you then take up a plan at least, as it will likely be the most favourable time you can get a plan while you are still young.

If you have further questions, feel free to reach out to me by replying to this post.