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?

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Accepted Answer

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.

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?

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