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 made up of two components: (i) the MediShield Life component and (ii) the additional private insurance component that provides greater coverage intended to cover unsubsidised bills, such as those incurred from Ward A/B1 stays in public hospitals or private hospital stays.
You can get coverage for pre-existing conditions, and be assured of lifelong coverage, under the MediShield Life component of your IP.
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.
Related questions
I already have an Integrated Shield Plan. How is MediShield Life relevant to me?
What does it mean if I have an exclusion on the additional private insurance coverage component but not on the MediShield Life component? How do I find out what exclusion I have?
Why does the Standard Integrated Shield Plan not cover pre-existing conditions with risk-loading?
What if I have an Integrated Shield Plan (IP), does the 30% Additional Premiums apply to my entire IP premiums?
