My Father, 56 this year, has been diagnosed with diabetes the major insurers are unable to take him in for the integrated shield plan. What can we do? - Seedly

Insurance

Asked by Anonymous

Asked on 14 Nov 2018

My Father, 56 this year, has been diagnosed with diabetes the major insurers are unable to take him in for the integrated shield plan. What can we do?

He was previously insured with Great Eastern before the diagnosis, but it was lapses without our knowledge. Is there anyway to find out what happened?

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Josh Tan Jian Liang
Josh Tan Jian Liang
Level 3. Wonderkid
Answered on 15 Nov 2018

I”ve engaged with raffles shield before to cover for diabetes condition. It has to be raffles shield with RH option for him. You need to decide if buying private hospital coverage is worth it or just stick to B2/C under medishield life. You check out the info in my post first. Take care 👌👌👌 https://www.google.com.sg/.../raffles-shield-plan-an.../amp/

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Loh Tat Tian
Loh Tat Tian
Level 6. Master
Answered on 14 Nov 2018

1) To check how it lapse, check your dads CPF medisave and also enquire with GE the letters. I suspect it could be non-payment due to lack of funds. See if it's possible to reinstate without medical underwriting or some Ceveat to it. You can also login to his CPF to check (if your dad allowed).

2) You may wish to get a doctor to certify and try to sign up raffles healthshield if GE decline reinstatement nor reinsurance.

3) AIA diabetes care (provided no diabetes related condition surface) could be bought for CI protection (though premiums will be high too).

4) worse come to worse, fall back on medishield life, no choice. And start to buffer for higher medical bills.

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Yixiong Chang
Yixiong Chang
Level 5. Genius
Answered on 14 Nov 2018

Check your medisave deduction to see when was the last payment. Ask the servicing agent (if any) to enquire the reason for lapse. Otherwise you have to go down to customer service at Great Eastern Centre.

Unfortunately, reinstatement of policy back to standard terms is usually not possible. Diabetic will be a declined case for medical insurance.

If all else fails, I might be able to help your dad to join a group medical plan. It covers as-charge up to $100k annually in private hospital. Premiums are about $2k a year.

Add me on facebook if u require further help.

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John Lau
John Lau
Level 3. Wonderkid
Updated on 07 Jun 2019

I am a broker and I have helped those with Type II Diabetes seek full cover for the condition, with inpatient and outpatient kidney dialysis covered - but of course at higher premiums due to age and condition.

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Tee-Ming Chew
Tee-Ming Chew

14 Nov 2018

Interesting.. Could you share more on how you did it?
John Lau
John Lau

14 Nov 2018

We work with a handful of insurers who have covered before, so I can help throughout the process based on the information provided by OP then I can advise further.