Health Insurance In Singapore Pre Existing Conditions

Medishield life s coverage extends to all residents of singapore for life regardless if you have pre existing health condition or if your baby is a newborn.

Health insurance in singapore pre existing conditions. Of course the benefits are lower they are pegged to local hospital s b2 c class ward and require some degree of co payment. Coverage for pre existing conditions is one of the most sought after elements of a health insurance plan and something that can distinguish which insurer you will choose to buy a plan from. It can be related to a hospitalization that occurred in the past or an illness that is congenital i e.

Why should i. There are global insurance for pre existing conditions offered by local companies such as axa s globalcare health plan and axa internationalexclusive. Pre existing conditions medical insurance after a moratorium period this is a length of time usually between 1 2 years where you cannot claim any treatments for your pre existing conditions.

If you want more details we have a more precise article on their definition here. Pre existing medical conditions are one of the biggest concerns in relation to any global medical insurance policy. Pre existing conditions medical insurance after a moratorium period but with a lower limit the same as above but the insurer will impose a lower.

For example if you have been with the policy for more than 365 days your pre existing conditions would thereafter be covered. Raffles shield was launched recently by raffles health to venture into the insurance market. We get asked about pre existing conditions a lot.

Almost all medical or hospitalization and surgical h s insurance provides coverage with an exclusion for pre existing conditions unless the condition was declared and accepted by the insurer. What you are born with. If you are purchasing an international health insurance plan with a pre existing health condition it usually comes with a waiting period.

To understand why pre existing medical conditions can be so problematic we can look at how this issue is defined by insurance companies as well as understanding the strict definition of insurance. It is one of the rare ones that cover pre existing conditions for singaporeans. A pre existing condition is a medical condition or illness that exists before the purchase of your insurance policy.