You want to subscribe to health insurance and you are wondering if you need to declare any pre-existing conditions? But what are really pre-existing conditions? Here is an article to answer all of your questions on the subject.
Definition and why declare your pre-existing conditions
A pre-existing condition is an illness or a health condition that existed and was know before signing a new health insurance contract. It can be related to a hospitalization that occurred in the past or an illness that is congenital (i.e. what you are born with). Furthermore, it can be linked to a major condition that you have suffered in the past or currently suffering. This means that you need to be medicated in order to live a normal life, including asthma, high blood pressure, heart diseases, or mental illness, etc.
When subscribing to a new health insurance contract, the insurer will ask you to declare any pre-existing conditions. For example, if you suffer from scoliosis, you need to declare it when subscribing to a health insurance contract.
In the event that you do not declare a pre-existing condition, this will be considered as insurance fraud. Therefore, your insurance company can decide not to cover any of the illnesses linked to the pre-existing condition. In the worst-case scenario, the insurance company can choose to cancel your contract. Furthermore, they can also inform fellow insurance companies of your insurance fraud.
Please note that you do not need to declare any illness related to dental, or short term but curable health conditions, such as stomach flu, fever when filling in your health declaration. However, in the event of cesarean delivery during pregnancy, you must declare it as a pre-existing condition.
What are pre-existing conditions at UEX? And how to declare them?
At UEX, after creating your account and entering all of your information, you need to read carefully the General Conditions. You will be asked the following question: "I, policyholder, and my dependants if any, hereby declare that I/we do not have any health issues." The answer you need to give depends on whether or not you have any pre-existing conditions to declare.
- Case 1: You need to declare pre-existing conditions to UEX
Your answer to this question: "I, policyholder, and my dependants if any, hereby declare that I/we do not have any health issues" should be "No". A pop-up will then appear with 5 questions. The questions are the following:
You must answer "Yes" to this question: "I/We hereby confirm this declaration is correct and consent to disclose personal data to the insurer." You then must click on "Submit". We highly recommend describing and sharing with us your health conditions. This will help speed up the approval process.
If you declare any pre-existing conditions, your application form is sent to the insurer. The underwriting team will analyze it. This should take 3 to 4 days. Once the insurance company approves the contract, you will receive a Letter of Approval ( LOA). The latter will state how your pre-existing conditions will be covered. If you accept the terms, you need to sign this LOA in order for your insurance coverage to be effective.
- Case 2: You do not have any pre-existing conditions and therefore do not need to declare anything to UEX
Your answer to this question: "I, policyholder, and my dependents if any, hereby declare that I/we do not have any health issues" should be "Yes". The same pop-up will appear as in case 1.
You must answer "Yes" to this question: "I/We hereby confirm this declaration is correct and consent to disclose personal data to the insurer." You then must click on "Sign my application" and validate and sign your contract.
At UEX, how do we cover your pre-existing conditions?
The coverage of any pre-existing condition depends on the plan you choose.
- For Base Plan 1 and 2:
Base plan 1 and 2 do not cover pre-existing conditions.
- For Base Plan 3 and 4:
There are two possible coverage for your pre-existing conditions with Base Plan 3 and 4. The first one is that your health coverage can exclude. This means that any treatments and investigations linked to your pre-existing condition will not be covered by your policy. Furthermore, any health issues arising as a result of a pre-existing will not be covered.
The second option is that they are covered under the terms and conditions of the pre-existing benefit. This means that any health conditions related to your pre-existing conditions will be covered up to S$3,000 per year after a waiting period of 270 days. This coverage limits up to this amount will last until the end of the second year of your contract. After that date, the coverage limit increases up to S$6,000 a year.
We hope this article will help you understand all you need to know about pre-existing conditions and how they work in your UEX health insurance.
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!