Pre-existing Conditions

So You Have A Pre-Existing Condition – What Now?

byJoanne Poh
  • Nov 10, 2022
  • 2 mins

Healthcare is becoming increasingly expensive in Singapore. That is why it’s essential to get sufficient insurance coverage.

But what happens if you have a pre-existing condition?

In the past, most insurers would not cover people who suffered from illnesses like diabetes or who have had a stroke. As such people would already have the medical costs of their illnesses to grapple with, not having any coverage would be a big risk to their finances. 

Thankfully, these days, there are insurance policies available for people with medical conditions, offering both short- and long-term coverage. Here at Income, there are several affordable options to consider: 

Enhanced PreX Travel Insurance plans

Income’s Enhanced PreX Travel Insurance plans offer affordable yet comprehensive coverage. Available as both single trip and yearly plans, there are three plans to choose from, based on your budget and the level of coverage you wish to receive. 

With these plans, you get all the protection you need in a single plan, no riders or top-ups required. That’s coverage for overseas medical expenses due to your pre-existing conditions (such as asthma or diabetes), plus coverage for non-medical expenses and travel inconveniences (such as personal accidents or travel delays). 

With such options available to you, your pre-existing medical conditions no longer have to stop you from exploring the world together with your loved ones. 


Protection against Major Cancer

Cancer is a common in Singapore, with about 44 people diagnosed with cancer daily. Thankfully, with our advanced medical care, around 60 per cent of people diagnosed with cancer survive the disease. 

Unfortunately, cancer treatment does not run cheap. One estimate puts the cost of late stage cancer treatment at $8,000-17,000 per month!

With such a prevalence of cancer and the fact that it can strike anyone, it’s important to have coverage against the cost of treating it, especially if your health (and finances) is already compromised by a pre-existing condition.

So what option do you have?

Complete Cancer Care

Income Insurance’s Complete Cancer Care offers protection against early, intermediate and advanced1 stage major cancer, with the possibility of coverage2 even if you have existing medical conditions (as long your conditions are not cancer-related of course!). 

If you’ve been looking around for critical illness protection but was found ineligible for other life insurance plans, this might be just what you need. Applying for Complete Cancer Care is simple and doesn’t require upfront medical check-ups. Just a 4-question form and you’re done. You can have the option of renewing your policy and extending your coverage after the policy expires. Renewal of your policy is guaranteed3 every 10 and you may be covered to a maximum age of 84 (last birthday).

Complete Cancer Care is also quite affordable. For instance, a 35-year-old female non-smoker, looking for $150,000 sum assured, can enjoy that coverage from $79 a month if she chooses the Care 100 option under the Major Cancer Benefit4. While a 50-year-old male non-smoker can also get protection from $772/year, with a sum assured of $100,000 when he chooses the Care 50 option under Major Cancer Benefit4.

With this option available to you, there's no reason to leave yourself at risk of incurring further medical costs. Consult an Income advisor to find out more about Complete Cancer Care today. 

With over a decade of experience writing, Joanne Poh specialises in insurance, finance, real estate, fintech, and travel. Her work has been featured on Yahoo!, MSN, AsiaOne, and herworldPLUS.

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