Can I get cover for pre existing conditions?
You may either get coverage for pre-existing conditions as an add-on benefit or as part of an existing travel insurance plan.
What counts as a pre-existing condition?
A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.
Can insurance claim for pre-existing conditions?
Health insurance companies cannot refuse coverage or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.
What happens if you have a pre-existing condition?
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.
Can I be denied health insurance because of a pre-existing condition Singapore?
Subject to the insurer interpretation of what is considered pre-existing, most insurers will not refuse your claim, especially your hospitalisation event is years after the inception of your policy. I have a plan under Medishield as well as a rider plan under a private insurance company.
Are pre-existing conditions covered in Singapore?
You are covered by MediShield Life even if you have a pre-existing medical condition. If your pre-existing condition is listed in the table below, you will need to pay 30% Additional Premiums for the first 10 years, after which you will pay the same standard premium as anyone else in your age group.
How do you know if you have a pre-existing condition?
A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.
Is it a pre-existing condition if it hasn’t been diagnosed?
Conditions that have not been diagnosed or treated yet can still be considered pre-existing conditions.
How long is a pre-existing condition?
HIPAA did allow insurers to refuse to cover pre-existing medical conditions for up to the first 12 months after enrollment, or 18 months in the case of late enrollment.