With MediShield Life, will the Integrated Shield Plans cover pre-existing conditions? Can I now get coverage under Integrated Shield Plans for my pre-existing conditions?

Integrated Shield Plans (IPs) are private plans comprising coverage of the basic MediShield Life component, plus additional private insurance coverage from private insurers so that policyholders can be adequately covered for Class A/B1 or private hospital stays.

You can get coverage for pre-existing conditions, and be assured of lifelong coverage, under the MediShield Life component. This is even if the condition is excluded from the additional private insurance coverage by your IP insurer.

Underwriting decisions on the additional private insurance component of IPs are separately determined by the private IP insurers. Private insurers assess, applications for the additional private insurance component of the IP based on their own risk assessment frameworks, as these are commercial decisions. You may wish to check with your private insurer or financial advisor on coverage for pre-existing conditions.

This information provided here is sourced from the MOH website.