Is there any recommendation for someone to take critical illness insurance that does not exclude preexisting condition such as focal nodular hyperplasia (liver medical condition)?

Hi anon,

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I'd suggest doing a prelim underwriting with various insurers first to see the likely outcome.

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Depending on underwriting guidelines, both at the insurer and the reinsurer level, you will then get an indication of the likely underwriting outcome if you were to formally apply for coverage.

Ask different insurers for different plans.

ask them what do they need so that there is no exclusion. tell insurer to be as specific as possible: doctor's letter? what needs to be stated in doctor's letter? which doctors/ doctor panel are recgonised by insurer? what tests need to be done.

go to the doctor and go for consultation. tell the doctor you have such condition and insurer requirement for a letter, and how they want the letter to be worded.

wait for doctor's test result and letter and submit to insurer. remember to scan or keep a copy.

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background: few years back i wanted to remove an exclusion and the particular insurer's customer serivce and agents (multiple agents) made me jumped through hoops and red tape. even with a goverment hospital specialist (at my own costs), they refuse to accept the specialist's letter and test report.

that is why i suggested for you to ask specifically what the insurer wants to see in the letter.

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hope this helps.