Is it impossible for me to sign up for hospitalization insurance for a 35 year old with pre-existing conditions (diabetes & HBP)? How bad is it without coverage? - Seedly
Seedly logo
Seedly logo


Hospitalisation Insurance (H&S)

Health Insurance




Asked 2w ago

Is it impossible for me to sign up for hospitalization insurance for a 35 year old with pre-existing conditions (diabetes & HBP)? How bad is it without coverage?


3 answers

Answer Now

Answers (3)

Sort By

Clarissa Koh
Clarissa Koh
Level 2. Rookie
Updated 2w ago


As long as you are Singaporean, you will automatically be covered under the MediShield Life. Unless you do not have an integrated shield plan currently, when you actually sign up for the integrated shield plan, it will likely be declined due to diabetes and HBP as this will lead the team to process through an underwriter.

It is not about being bad without coverage, but more of having to fork out your own additional cash to actually pay for the bills. And if something happens and resulted in you staying in the hospital that's when your hospital plan comes in and will play an important part.

I hope the attached image will give you a better idea!

Nonetheless, at the end of the day is good to always do a policy review yearly to know what you are covered with and how much you are covered with! Protection is always very important! Especially when health care in Singapore is expensive.

Take good care of yourself during this period!


👍 1

MediShield Life

If you are a Singaporean or a Permanent Resident, then you will have coverage from MediShield Life. Above all, it includes coverage for pre-existing medical conditions.

More Details:

Is MediShield Life enough in Singapore

However, in order to control the size of the medical bill, you are encouraged to stay in Class B2 or C ward in public hospitals. Additionally, pre- and post-hospitalisation bills are not covered as well. Check out Part 3 of the link above for more details.

Integrated Shield Plan

Given its limitation, many of us opt to enhance the coverage with a private integrated shield plan.

More Details:

Integrated Shield Plan Singapore: A Starter's Guide

In this case, we will need to declare our health at the point of application. In order to do this, you may wish to speak to an experienced agent who may have handled similar cases in the past. The extent of coverage is dependent on your past medical records.

At the same time, we may also apply through preliminary underwriting. Check Part 1.3 of the link for more information on "what if I have a serious medical condition?"


All things considered, we need to know more about you, the coverage that you may have, and how you wish to plan for your future. Through comprehensive financial planning, we reduce the risk of exploding medical bills, while optimising your wealth. This helps us to live with a peace of mind.

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


👍 0

Hi Anon, if you're Singaporean or PR, you automatically have coverage called Medishield Life.

However if you'd like to get a higher ward benefit choice of your doctor, usually lower wait times, and a higher yearly claim limit, you'd be encouraged to upgrade to an Integrated Shield Plan.

For those with Diabetes and HBP, I'd recommend you try applying for Raffles Shield for a better chance of getting insured without exclusions.


👍 0