I have SLE(lupus) and was hospitalised 2 years ago to remove a benign back tumor. can I still get the following insurance now? 1.EarlyCI 2.CI 3.Life 4.Cancer Any other insurance I can/should get?

Hi anon,

I'm sorry to hear of your diagnosis of SLE. It's a disease that usually requires lifelong medication. SLE is generally more worrying for the insurers than a benign tumour.

I have seen similar cases before, as I have tried to get critical illness coverage for a client of mine who was also diagnosed with SLE, but all insurers basically came back and told me that they were not able to insure her.

Please hold on to your shield plan and whatever insurance you have at present. The way forward at the moment is to self insure, which is to ensure that you have more funds available in the event of emergencies.

You many want to try a preliminary underwriting for Life (I.E. death/TPD) or Cancer only plans but I am not hopeful about the outcome.

However, I won't rule out that medical advancements in future might bring down the risk of Lupus to a point where you will be able to get some form of CI coverage.

Good luck!

There may be exclusions to your coverage because of your past condition.

Insurance policies which need medical underwriting will ask for your medical history via a series of questions e.g. "Have you been hospitalised for xxx and/or yyy?" Answer truthfully and you are good to go.

Do you have any debt (or any debt in the near future) or dependents? If not, you do not have to be covered for life and CI.

As for early CI and cancer insurance, I don't know what to say of them. I don't have them.