What CI insurance plans are there in the market with no medical underwriting?

Hi anon,

I'm sorry to hear of your situation. It can be frustrating to be rejected when you are seeking cover.

Most CI plans will at a minimum require some underwriting. It'll either be full medical underwriting or simplified underwriting (but underwriting nonetheless).

You may wish to do a preliminary underwriting with other insurers to get an understanding of the likely coverage terms that can be offered. As one insurer has already rejected you, any insurer that is willing to accept you, even with exclusions or loading, should be seriously considered, as you'll be able to get at least some level of coverage that way.

The last resort, should all insurers decline cover, will be standalone plans with no underwriting.

Good luck!

Above all, all Critical Illness coverage requires medical underwriting as a standard practice.

In your case, we need to understand further on your medical condition before we know how to go about getting critical illness coverage for you.

Additionally, yes, you may consider Cancer cover plan as an additional add-on - AIA has one with simple underwriting. Accordingly, this gives you a higher chance of getting insured.

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