For elderly with diabetes, is it true that you cannot buy health insurance anymore?

Hi Anon, as mentioned by Josh, you can consider Raffles Shield. That is probably your only option. There have been many people with conditions to be accepted by them. However, the claims process has also said to have a long waiting time, and the claiming process has been tricky.

To purchase any other life insurance or illness coverage for them will not be advisable if you're asking me. I would suggest that you save up on the premiums to self-insure them, meaning you pay for their medical bills.

Because the premiums that you will have to pay for those life plans will be very expensive and might not be feasible for you to fund in the long run assuming you haven't taken care of your own. If you were to ask me, I would suggest that you spend the money to get yourself covered if you haven't done so.

If the cost of health insurance is not feasible for you, I would recommend you to familiarise with the benefits of MediShield Life.

They do provide decent coverage if you're staying at C Ward.

Here's the link: https://www.moh.gov.sg/medishield-life/what-is-...
Do reach out to any of us if you need any clarifications or questions!

Hi Anon,

There are plans that can also be offered. Sharing these various plans so that more elderly can also be covered. They are

1) AVIVA MyCoreCI plan - covering life and 11 CI conditions

2) AIA diabetes care plan - covering life and 5 CI conditions

3) Merdeka Care - Personal accident plan

Premiums for AVIVA MyCoreCI plan and AIA diabetes care plan are based on entry age and more details in this post: https://www.theastuteparent.com/2018/12/insuran...

Merdeka Care is the easiest for application.

For health insurance, the plan that may offer a coverage is Raffles Shield. I've put through plans on multiple occasions with different private clients. This should your first target to get as medical coverage is very important. There will be loading if an offer is given to you. Read more here https://www.theastuteparent.com/2018/12/raffles...

There is a strict underwriting guideline and a subsequent regime of health checkups needed to be done.

If you are keen to discuss, do drop me an email at [email protected]