What can you advice someone who is unable to get H&S insurance due to pre-existng conditions?

As someone with pre-existing medical condition as well, I can say that I understand the situation that you are in. Here is what I will suggest for you to consider.

Reason

Firstly, we need to know the reason why you are unable to get any type of healthcare insurance. In detail, we need to understand the rationale from the insurer's perspective and how we can submit an appeal. Additionally, you may wish to submit an application with another insurer.

Corporate Insurance

Next, if you are working full-time, then you may have insurance coverage from your company. Take note that you may be required to declare your pre-existing condition to the insurance company.

MediShield Life

Additionally, if you are a Singaporean or a Permanent Resident, then you will be covered by MediShield Life. As a matter of fact, MediShield Life covers everyone, including those with pre-existing medical condition.

However, you need to be aware of its limitations.

More Details:

Is MediShield Life enough in Singapore?

Financial Planning

At this point, it will be important to conduct comprehensive financial planning. This is for the purpose of risk management and to ensure that you won't empty your lifelong savings because of a medical treatment.

For that reason, either spend quality time to do the planning on your own or speak with an experienced consultant to help you.

In summary, there are many things that you can do to overcome the situation. All we need is proper planning to that end.

I share quality content on estate planning and financial planning here.