Can I get cover for pre-existing conditions?

If the conditions are serious enough they will usually exclude any coverage related to the illness or injury. For example, if you have diabetes or asthma before you start a new health insurance plan, insurers will usually not cover these conditions or any care related to these conditions.

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.

Can you be turned down 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.

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.

What are some examples of pre-existing conditions?

A pre-existing condition is a health problem you had before the date that your new health coverage starts. Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.

What’s considered 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.

Does insurance cover pre-existing conditions Singapore?

You can secure coverage for your pre-existing or chronic conditions through premium loading. This involves paying a higher premium to the insurer in exchange for pre-existing conditions coverage. Insurers will usually offer premium loading on a case-by-case basis after an extensive consultation process.

Can you take out health insurance if you have a pre-existing condition?

Unfortunately, you can expect to pay a dramatically higher premium if you have a pre-existing condition. The reason that your premiums will be higher is that it is expected that your chronic condition could become very costly and even require expensive procedures or surgery at some point.

What is pre-existing medical condition Singapore?

It's any medical illness or injury that an individual has prior to securing a health insurance plan. Typically, pre-existing conditions are long-term and chronic, which means they can only be managed, not cured. Examples include asthma and diabetes.

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