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[Medishield/CPF/Health insurance] Claims + Coverage after illness

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Old 28-07-2015, 08:36 PM   #1
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Question [Medishield/CPF/Health insurance] Claims + Coverage after illness

I went visit my relative just now for dinner. So this was what I was told. My cousin's father (55) got liver disease and had to be admitted into hospital earlier this year. thankfully they got medishield and bought private insurance to cover the remainder (Rider plan)

what happen was, my uncle's liver cannot function well, so his on a special diet + drugs to try and let the liver cope. His other option is a liver transplant. Now this was what got me confused. My aunty and cousin told me, now my uncle is 'stable', in the event his liver flares up again, let's say 3-4 years down the road, they will need to sell their house and use the cash to pay for his medical because their current insurance won't cover for the liver again.

according to them, their insurance will still cover any new illness, but because his liver was already claimed once, if years down the road anything happen again to the liver, my uncle won't be able to clam again. Now they are trying to find another insurance company to see if they can buy health insurance that will cover my uncle's liver.

Family is not rich, uncle drives taxi, aunty works retail. my cousin regular, sign on after diploma. their worry is years down the road, if anything happens to my uncle with his liver, they might be financially in a tight spot.

anyone got experience this kinda thing ? I thought medishield will cover again + rider so if next time got issue can just claim again. i think they might be misinformed leh.
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Old 28-07-2015, 08:38 PM   #2
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I went visit my relative just now for dinner. So this was what I was told. My cousin's father (55) got liver disease and had to be admitted into hospital earlier this year. thankfully they got medishield and bought private insurance to cover the remainder (Rider plan)

what happen was, my uncle's liver cannot function well, so his on a special diet + drugs to try and let the liver cope. His other option is a liver transplant. Now this was what got me confused. My aunty and cousin told me, now my uncle is 'stable', in the event his liver flares up again, let's say 3-4 years down the road, they will need to sell their house and use the cash to pay for his medical because their current insurance won't cover for the liver again.

according to them, their insurance will still cover any new illness, but because his liver was already claimed once, if years down the road anything happen again to the liver, my uncle won't be able to clam again. Now they are trying to find another insurance company to see if they can buy health insurance that will cover my uncle's liver.

Family is not rich, uncle drives taxi, aunty works retail. my cousin regular, sign on after diploma. their worry is years down the road, if anything happens to my uncle with his liver, they might be financially in a tight spot.

anyone got experience this kinda thing ? I thought medishield will cover again + rider so if next time got issue can just claim again. i think they might be misinformed leh.
can claim again if not pre existing. if he never change insurer after he claim.
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Old 28-07-2015, 08:41 PM   #3
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can claim again if not pre existing. if he never change insurer after he claim.
what does pre existing mean

like right now, his liver is not 'recovered' leh. it's just taking medication and lifestyle changes to make sure his liver is less stressed out.

if anything happen to the liver again, would it be considered pre existing

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Old 28-07-2015, 08:43 PM   #4
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what does pre existing mean

like right now, his liver is not 'recovered' leh. it's just taking medication and lifestyle changes to make sure his liver is less stressed out.

if anything happen to the liver again, would it be considered pre existing

if the medishield or private insurance is taken before he got liver problems.. then it will be covered. subject to policy year limits and deductibles and coinsurance and sub limits of medishield

if private plan.. usually no sub limits.

but provided he never lapsed the polivy before. (after his liver gor problem)

as long as premiums paid. can claim
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Old 28-07-2015, 08:44 PM   #5
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but did he do liver transplant?

if he did tranplant. then habe to check his policies.some policy cover organ tranplant up to a limit.
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Old 28-07-2015, 08:44 PM   #6
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if the medishield or private insurance is taken before he got liver problems.. then it will be covered. subject to policy year limits and deductibles and coinsurance and sub limits of medishield

if private plan.. usually no sub limits.

but provided he never lapsed the polivy before. (after his liver gor problem)

as long as premiums paid. can claim


jin cham.

means if now go find new insurance to cover, most likely they won't also right

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Old 28-07-2015, 08:45 PM   #7
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but did he do liver transplant?

if he did tranplant. then habe to check his policies.some policy cover organ tranplant up to a limit.
no, never do transplant.

just change lifestyle and take drugs.
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Old 28-07-2015, 08:45 PM   #8
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jin cham.

means if now go find new insurance to cover, most likely they won't also right

please dont change. else he will lose cover.
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Old 28-07-2015, 08:47 PM   #9
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please dont change. else he will lose cover.
so if stay current plan and just pay yearly premiums, should be cover riao right ? my cousin keep asking him to stop working but he say need work or else no $$.

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Old 28-07-2015, 08:50 PM   #10
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jin cham.

means if now go find new insurance to cover, most likely they won't also right

If change, existing illness will Not be covered.
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Old 28-07-2015, 08:55 PM   #11
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If change, existing illness will Not be covered.
What if it really requires change?
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Old 28-07-2015, 09:05 PM   #12
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TS,

Can you specify the Private insurance plan your uncle took so that experts can advise whether he can claim again or not.
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