Hi, I have mitral valve prolapse (mild condition where the heart valve is not closing properly). An insurer rejected to cover for CI. Should I submit to another insurer for CI coverage? - Seedly
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Critical Illness (CI)

Yvette

Asked 2w ago

Hi, I have mitral valve prolapse (mild condition where the heart valve is not closing properly). An insurer rejected to cover for CI. Should I submit to another insurer for CI coverage?

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Different insurers have different risk appetite for different medicla conditions. In other words, just because one insurer reject your application doesn't mean that all other insurers will reject your case.

For this purpose, you may wish to work with an experienced consultant who may have handled such cases in the past, as well as a reputable insurer. What's more, you should also check with the insurer on the reason for declining the application, as well as how to appeal for the case. This will give you an idea on how to plan for your future.

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

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ūüĎć 0

Hi Yvette,

Different insurers have different guidelines, and also depending on the severity of your condition and supporting documents, the outcome may be different as well. It is good to submit to another to increase your probability to get accepted.

If you have no one assisting you with this matter, or need some input from my side, do drop me a contact request so that we can schedule a consult, to better understand your situation.

Have a great weekend!

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Brandon Lim
Brandon Lim
Level 5. Genius
Answered 2w ago

Yes you should! I mean no harm trying right?

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Yvette

2w ago

Yes, thank you!