What other options do I have apart from hospitalization insurance? - Seedly

Insurance

Asked by Anonymous

Asked on 31 Dec 2018

What other options do I have apart from hospitalization insurance?

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?

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Charmaine Lim Xiaomei
Charmaine Lim Xiaomei
Level 4. Prodigy
Updated on 07 Jun 2019

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:

  1. drink green tea daily! Doing so has shown great effects in helping me to lower my resting heart rate from 115-120 to 90-100
  2. include one spoon of extra virgin olive oil in your daily diet as it has been shown in many reports to help protect your heart
  3. get a fitness tracker so that you can track your heartrate

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Raymond Koh
Question Poster

08 Jan 2019

That's the thing, upon consultation with the underwriters, my friend mentioned that there is a 99% chance that my entire application will get rejected as Atrial Fibrillation could lead to critical ailments in future. Nevertheless, he advised me to proceed with the application as there's no harm knowing the definite outcome. And yes, I understand that I can still claim for Grave's / AF under my current plan, it's just that there are claim limits. I am currently not required to undergo any follow-up appointments and not on medication at the moment so effectively I will say that I have been discharged by the doctor? Hahaha! Also, I wasn't sure if my pre-existing condition was covered under my company insurance so I paid for all of the out-of-pocket. Thanks for your answer! It was very informative! :)
Yixiong Chang
Yixiong Chang
Level 5. Genius
Updated on 31 Dec 2018

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.

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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.

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Raymond Koh
Question Poster

31 Dec 2018

Hi, thanks for the answer! I've sought the advice of an agent and after consulting with the medical underwriters, he mentioned that due to the history of atrial fibrillation, there's a high chance my application will get rejected. Since it has the potential to develop into something serious and increase the chances of a claim happening.
Gabriel Tham
Gabriel Tham

31 Dec 2018

have you tried other insurers? there are many companies around, some may have different criteria and some may give leeway