Saturday, October 06, 2007

Mother not eligble for medical insurance

Hi Mr Tan

I recently discovered that my mother is not covered under any Shield plan. I have difficulty having her insured as she had a medical condition, but has recovered from it. The insurance company rejected her application.

Do you think I should go for another test to prove that she has fully recovered?

She is 63 years old, well and active. I am concerned that she is aging. Should she be hospitalised, we are not sure if we can cope with it.

MY REPLY:

See if you can get your mother insured, with the exclusion of the specific medical condition. She can still be covered for other illness.

If this is not possible, do not worry. Many older folks are not covered under a Shield plan. If they go to hospital, they can stay in a B2 ward, which is not costly. B2 is suitable for old folks. The bill can be paid under Medisave.

I hope that your mother does not need to be hospitalised.

2 comments:

hongjun said...

How about try Aviva's MyShield? They are doing away with medical declarations when customers sign, and extending coverage to certain pre-existing illnesses after a five-year waiting period or moratorium period. You still need to read carefully on the terms and conditions.

Cheers
hongjun

Unknown said...

That's why it is very important for family members to know whether they are medically covered to a certain extent earlier than later when more unnessary headache comes in..

If you have a hugh amt in your medisave than gd for you, if not one have to apply for 'medifund' to pay off huge bills..

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