I am a 30 year old with pre-existing conditions, and most insurance companies have rejected my application for a shield plan. Should I take up the Raffles shield plan?

Depending on what your pre-existing condition is, it may or may not make sense to take up a shield plan with exclusion.

Let's say for example someone has an exclusion on the "3 high" conditions, any other conditions related directly or indirectly will equally be excluded. If you think about heart attack, stroke, blindess, deafness, liver/kidney deterioration etc, all these conditions may be linked to the 3 highs which somewhat, the exclusion imposed might make the Shield plan pretty much meaningless.

A shield plan is nevertheless still the most important insurance plan (in my opinion) for a person who intends to stay in SG for long term, regardless his citizenship.

Also for someone who intends to retire in SG, please do not bang all your hopes on your employee benefits (aka workplace insurance) becaus one day you will leave the company volunteerily or involunteerily. By then, you may no longer be insurable by Shield plan.

If you haven't try to apply with all insurers, please give it a try. Evaluate which insurer offers you the best coverage since not all underwrites with the same rule for certain conditions.​​​

Hi Anon, Raffles is offering you coverage while others have rejected in full? Getting most things covered even though pre-ex is excluded, which is expected, is all you can ask for.

Take it. You can use your group medical benefit to cover co-pays if they do. For your pre existing conditions, you'd still have Medishield Life to rely on if you're a Singaporean or PR.