Integrated Shield Plan Lesson Learnt

[blurpandasg2014]

Which she probably should've done anyway (claim from employer-provided insurance first), but that's "water under the bridge."

She still has MediShield Life coverage for the preexisting condition, and that works fairly well for a Singaporean citizen obtaining subsidized care from the public medical sector.

The switch to Great Eastern shifted the preexisting conditions line that much farther into the future. I understand her frustration, but that's like cutting off a toe after AXA cut off a knee (metaphorically speaking). Also "water under the bridge" now.

Yeap technically so but since HSBC LIFE already exclude the disability, there is no difference to have the same exclusion from another insurer.

HSBC failed to gain confidence that future claims will not be rejected for some unknown reasons

 

[BBCWatcher]

Yeap technically so but since HSBC LIFE already exclude the disability, there is no difference to have the same exclusion from another insurer.

The difference is between the dates: between the date when she enrolled in the AXA (now HSBC Life) Integrated Shield plan, and the later date when she enrolled in the Great Eastern Integrated Shield plan. Any preexisting conditions between those dates are additionally not covered by Great Eastern.

There's a formal policy definition of "preexisting condition." But it's essentially whether a reasonable person knew, or should have known, of the condition.

Some insurers also impose a waiting period for coverage of (unknown, undiagnosed) congenital abnormalities. When you switch carriers you may have to endure a new waiting period.

"Water under the bridge," though.