I have hypertension and high bmi. will there be exclusion and loading if i apply for critical illness or careshield supp plan?

Hi anon,

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I cannot speak for your specific situation, but if you have hypertension and it's under control with medication, you will generally have a good chance of standard acceptance for CI/careshield supplement.

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For BMI 30, there's a chance of loading for early CI. The cut off for loading for late CI is a bit higher, but depends on the insurer.

Hey, for hypertension, if its under control with medication its possible. BMI under 33 stands a good chance too. But there will be loading for CI plans for sure and exclusion on coronary related claims. Check out the careshield life comparison here too: https://plannerbee.co/best-careshield-life-supp...