Pre-Existing Medical Conditions and Insurance

Pre-existing medical conditions and insurance, what should we be planning for?

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Having a pre-existing medical condition can affect whether you get insurance, how much you pay, or what’s covered, and it highlights the importance of planning early.

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Conditions like asthma, diabetes, or past surgeries may lead insurers to impose premium loadings, exclusions, waiting periods, or even reject applications, especially for private health or critical illness plans.

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In Singapore, MediShield Life still covers everyone regardless of health status, but private plans can vary widely, making coverage harder or more expensive once health issues arise.

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• Have you experienced exclusions or higher premiums due to pre-existing conditions?
• Were you able to get coverage after your condition stabilised?

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Read more here: How To Get Insurance With Pre-Existing Medical Conditions