Hypertension (High Blood Pressure) and Hyperlipidaemia (High Cholesterol) are becoming common ailments in Singapore. Many people with such pre-existing medical conditions are struggling to find medical coverage for themselves. They are either declined or excluded for such conditions.
Although they can choose Moratorium Underwriting offered by Aviva to obtain hospitalization coverage, these pre-existing conditions are still excluded.
Fortunately, AXA has taken the step to extend their health insurance plan coverage on these said medical conditions. People with pre-existing condition can complete a questionnaire and submit to AXA for review. Once accepted, there will be a loading to the premium and customers can get their hypertension and hyperlipidaemia covered.
In addition, AXA is offering Individual Take-Over. You can now switch your Individual Hospital & Surgical policies over to AXA from another insurance company. You will enjoy the same underwriting terms as their current policies, including coverage of any pre-existing conditions already covered by your existing insurer.
Besides AXA, Global Health Policy such as Bupa International Worldwide Health Option has similar benefits.
You can contact me for professional advice on these products.