Asked by Anonymous
I am currently on IncomeShield Plan B and was diagnosed with Hyperthyroidism (Grave's disease) in Jan 2016. However, due to my secondary diagnosis of atrial fibrillation as a result of Hyperthyroidism, a friend advised that I have a high chance of being rejected in my attempt to upgrade my hospitalization coverage as the chances of relapse and linkages to something serious are high. I underwent an ECG today and results were normal. Are there any alternatives I can explore?
Based on my experience, most insurers will allow you to upgrade your current hospitalisation plan / purchase riders but with an exclusion clause for thyroid & its related health issues. Once you are fully discharged by your doctor, you may try to appeal with your insurer to remove the exclusion (though I was advised by my agent that the success of such appeal is very low). However, if you decided to stick with your current plan, you will still be able to claim for Hyperthyroidism and Atrial Fibrillation.
If you hold a full time job at the moment, do look at your company insurance as most corporate insurance covers pre-existing / existing / new health condition. PS: I have Grave's disease too and am currently claiming from my company's insurance for my regular outpatient visits (blood test, consultation and medications).
(non-finance related) Lastly, would recommend you to:
Who diagnosed u with atrial fibrillation? A single basic ECG might not be able to detect, AF doesnt manifest itself often. You will need to be placed on Holter monitor for longer period monitoring.
Please msg me on my fb, there are still many questions i need to ask. Not suited to talk in public.
try consulting with an agent. If results normal, no relapse, maybe get a medical report that you are all ok, you might be able to apply.