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?

Question

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?

Related questions

I want to get the Standard Integrated Shield Plan (IP) but my insurer’s premiums are higher than other insurers. Should I switch to a Standard IP under another insurer?

Can I upgrade to a higher coverage Integrated Shield Plan (IP) in future, if I buy the Standard IP now?

If I downgrade to an Integrated Shield Plan (IP) with lower coverage or switch insurers, will I need to go through health assessment / underwriting again?

Can I get a pro-rated refund of the premiums for my original Integrated Shield Plan (IP) if I downgrade or switch from a higher coverage plan to the Standard IP before my premium renewal date?