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The importance of declaring pre-existing conditions, or how to avoid a costly mistake

12 Mar 2020

You are about to take out an insurance contract when your insurer addresses the topic of pre-existing conditions. You have little idea of what this might be and don’t dwell on it. Watch out! You don’t know it yet, but you may have unwittingly excluded your medical conditions or medical historicity from your policy.

We’ve put this article together to help you avoid bankruptcy, and to give you all the tools you need to get the coverage that best fits you. And because we know that there are always omissions, we are also providing leads for those who have already forgotten to declare their pre-existing conditions.

What is a pre-existing condition?

A pre-existing condition is a medical condition or illness that exists before the purchase of your insurance policy. It can be chronic conditions such as asthma, diabetes, allergies or illnesses that are being treated or even have already been cured! If you want more details, we have a more precise article on their definition here.

Why should I report a past illness to my insurer?

Health insurance companies work like any other type of insurance: they protect you against future risks, but not against damage that has already occurred. Since an existing illness has a higher risk of recurrence than a more one-off illness, it must be covered under certain conditions.

I’m about to go through underwriting, what should I present?

Before taking out the contract, ask your UEX advisor for advice on what to declare. We are here to help you! Then declare any conditions, treatments, or medical operations you’ve undergone to your insurer.

Some coverages may extend to certain pre-existing conditions, so it’s important to compare insurance policies and to talk to your advisor.

At the time of application, your insurer will consult the terms of the contract to find out how to cover the pre-existing conditions or not. At that time, you should also find out about the future risks of your conditions and discuss them with your insurer.

I had a medical consultation and I would like to be reimbursed after having subscribed

Start by first asking your specialist when your symptoms started. In fact, your historicity related to these symptoms will be checked by your insurer to verify that it is not a pre-existing condition. Contact us for more details.

Please also be aware that if a condition appears at the time of application, you will be covered.

Simulation
Sophie has had eczema for years but did not declare it when she took out an insurance policy.
She only reported it to her doctor who noted that her symptoms have been present for years.

After making her claim for her consultation and the creams related to the consultation, her insurer investigated her medical history. Finding that her eczema existed before her subscription, they added an exclusion to her policy for any future reimbursements related to her eczema.

Don’t make the same mistake Sophie did, and call us if you have any doubts!

UEX is your first support/interlocutor in these steps, but this article should only be used for information purposes and cannot guarantee you a refund.

To find out more about healthcare topics in Singapore you can check our articles. To understand how your health insurance plans cover the healthcare costs, you can approach UEX’s happiness team by email for more information and guidance – and the good news is that they are super nice!

With UEX, you can obtain a quote for both AXA and APRIL health insurance contracts customized to your needs and requirements – all in less than a minute!


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