Why does the Standard Integrated Shield Plan not cover pre-existing conditions with risk-loading?
Similar to all other Integrated Shield Plans (IPs), the additional private insurance component of the Standard IP is provided by private insurers. Coverage under the Standard IP is therefore a business decision based on the risk assessment framework of each insurer.
Since the launch of MediShield Life, the Ministry of Health has allowed all IP insurers to introduce risk-loading options for policyholders who would like coverage for their pre-existing conditions. You may wish to check with your insurer if risk-loaded options are available for your plan.
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?
Why can’t the Government provide and administer the Standard Integrated Shield Plan, to ensure that premiums are more affordable and to cover pre-existing conditions with risk-loading, similar to MediShield Life?
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?
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