You’re excited to get your new health insurance policy! But there is always a but… Your insurer doesn’t seem to want to cover you for certain health problems you already have, or they want to increase the premium

There’s a simple explanation for this! “ Pre-existing condition

What is a pre-existing condition?  

A pre-existing condition is any disease, injury or illness that affects you before you start a new health insurance plan. There can be a lot of possible pre-existing conditions like cancer, pregnancy, depression and many more...  But Don’t panic, Here is what you should know about pre-existing conditions:  

Always be transparent 

Health insurance is fundamentally to protect you against future risks. It is not to help you with damage that has already occurred in the past.

Let me explain:   Let’s say You visit a doctor for an illness like a headache which then turns out to be something bigger.  You then try to submit an expensive bill to your insurance provider. Your insurer comes back to you after reading the report from the doctor which mentions that you actually have had migraines for years, and informs you that you won’t be reimbursed. The reason : this was actually a pre-existing condition that you never declared. 

This can be avoided if you  Always remember to be TRAN-SPA-RENT. You need to tell your insurer about any injuries or medical problems that you’ve had in the past — even if you believe they have been dealt with and no longer have any effect on your life.

If you have a pre-existing condition, don’t worry ! You can still customize your plan 

 Here are a few ways this could happen: 

  1. The first way is that the insurer could agree to cover your pre-existing conditions with no extra charge. 
  2. The second way, is that the company could agree to cover your pre-existing conditions with some extra charges. 
  3. The third, is the company agreeing to cover your pre-existing conditions, but after waiting for a period of time such as 1 to 2 years. This is for the insurer to make sure that your condition has indeed subsided and will not act up again, posing a risk to you and them financially.

As you can see, it is very important to have open and transparent communication with your insurance company. 

We are happy to answer any questions you may have on this topic. Feel free to reach out to us!


To find out more about healthcare topics in Singapore you can check our articles.

Our UEX team remains available by email at We would be happy to answer your question and to help you through your insurance personalization process for each member of your family, so that it suits your needs at best. 

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