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If I switch from a higher coverage Integrated Shield Plan (IP) to the Standard (IP) with the same insurer, will I need to go through additional underwriting and will my previous exclusions remain?



If you are intending to switch to a plan with lower coverage within the same insurer, you will not need to go through additional underwriting*.

However, any exclusions on medical conditions you had on your original Integrated Shield Plan (IP) will be retained when you switch to a new plan.

You may wish to speak to your financial advisor who will be able to advise on your options.

*However, if you are on a higher coverage IP and had gone through moratorium underwriting, you will need to go through underwriting to switch to the Standard IP.

This information provided here is sourced from the MOH website.

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