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?
Integrated Shield Plans (IPs) comprise 2 components (i) the MediShield Life component, and (ii) the additional private insurance component.
As MediShield Life covers all pre-existing conditions, all IP policyholders will also enjoy MediShield Life coverage for any pre-existing conditions, even if the private insurer has imposed an exclusion for the pre-existing condition on the additional private insurance coverage component.
If you are hospitalised for the excluded condition, you will not be able to claim for coverage under the additional private insurance component under your IP, but you will be able to claim for coverage under MediShield Life.
To find out more about your specific exclusion, please contact your financial advisor or private insurer.
Related questions
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?
I already have an Integrated Shield Plan. How is MediShield Life relevant to me?
What if I have an Integrated Shield Plan (IP), does the 30% Additional Premiums apply to my entire IP premiums?
Why is the private insurer writing to me about MediShield Life?
