Anonymous
Hi everyone, my mother is a PR and she is 67 years old this year. She currently is on medication for HBP, cholesterol and osteoporosis/osteopenia. She is a homemaker and does not have health insurance so I was thinking of getting her on one. I understand that with her pre-existing conditions, these will all be excluded. Is there any health insurance plan for such situations, or is she not entitled at all to any options? Thank you.
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Hariz Arthur Maloy
11 Oct 2019
Independent Financial Advisor at Promiseland Independent
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It would be best to speak to an Independent Financial Advisor to compare options. But I do have to say that due to age and her pre-existing, it may be difficult to get a policy incepted even with exclusions.
Usually for elders, I'd tend to look at Raffles Health or NTUC Income due to underwriting strictness and premiums.