Raffles Health Insurance pre-existing condition is one of the top health insurance providers in Singapore. They offer comprehensive plans that cover a wide range of medical treatments and procedures. One thing to keep in mind, however, is that Raffles Health Insurance does not cover pre-existing conditions.
What are pre-existing conditions? A pre-existing condition is any illness, injury, or condition you have before your health insurance coverage begins. Most health insurance providers do not cover pre-existing conditions, and Raffles Health Insurance is no exception.
If you have a pre-existing condition and are looking for health insurance coverage, be sure to read the terms and conditions carefully to make sure you are aware of the risks involved.
Raffles Shield is a fairly new Integrated Shield Plan (IP) launched in 2018 by the Singapore-based Raffles Medical Group offering competitive premiums relative to the coverage it provides. Benefits of Raffles Shield includes coverage for hospitalisation, pre- and post-hospitalisation treatments, and additional benefits such as accidental inpatient dental treatments. A key feature of Raffles Shield would be the optional add-on “Raffles Hospital Option” which allows the Raffles Shield A policyholders to extend their hospitalisation and ward access to include private hospital wards in Raffles Hospital – an affordable option for policyholders to enjoy private hospitalisation access.
What Is a Pre-Existing Condition?
So what is a pre-existing condition, exactly?
A pre-existing condition is anything that you were diagnosed with or treated for in the past. This could be a heart condition, asthma, cancer, or anything else.
It’s important to note that not all health insurance policies cover pre-existing conditions. Raffles Health Insurance, for example, does not cover any pre-existing conditions. So if you’re planning on getting health insurance through Raffles, make sure you’re aware of this fact.
How Does Raffles Health Insurance Define Pre-Existing Conditions?
Let’s say you’ve been diagnosed with a pre-existing condition. What does that mean for you and your Raffles Health Insurance policy?
Well, first of all, it’s important to understand that not every condition is considered a pre-existing condition. Raffles Health Insurance has a specific definition of what they consider to be a pre-existing condition.
Generally speaking, a pre-existing condition is any medical condition that you were aware of before you purchased your health insurance policy. It could be something as serious as cancer or as minor as a cold.
If you have a pre-existing condition, Raffles Health Insurance will not cover any treatment or care related to that condition. However, you are still covered for other conditions and procedures.
What Are Some Examples of Pre-Existing Conditions?
Some examples of pre-existing conditions are asthma, diabetes, and high blood pressure. But it’s important to remember that this is just a general overview—the best way to find out if you’re covered is to speak to an Raffles Health Insurance representative.
READ ALSO: free health insurance garland review
How Does Having a Pre-Existing Condition Affect My Health Insurance Coverage?
Let’s say you have a pre-existing condition. How does that affect your health insurance coverage?
Well, it depends on the insurer. Some insurers will completely deny you coverage if you have a pre-existing condition, while others will charge you more for your health insurance policy. And still others will cover you, but might not cover all of your costs associated with your pre-existing condition.
It’s important to read the fine print when you’re shopping for health insurance, because not all policies are created equal. Make sure you understand what your policy covers and doesn’t cover so that there are no surprises down the road.
What Are My Rights if I Have a Pre-Existing Condition?
What are your rights if you have a pre-existing condition?
Raffles Health Insurance has you covered. As long as you have a valid policy and you have notified us of your pre-existing condition before the policy start date, we will cover you.
We understand that pre-existing conditions can be expensive to treat, which is why we offer a range of plans that cater to your needs. And if you need to see a specialist, we have an extensive network of providers that will ensure you get the best care possible.
So don’t worry—with Raffles Health Insurance, you’re safe and sound.
How Can I Get Coverage for My Pre-Existing Condition?
You may be wondering how you can get coverage for your pre-existing condition. Let’s take a look at your options.
There are a few ways that you can get coverage for a pre-existing condition. You can buy a policy directly from an insurance company, or you can buy a policy through an insurance broker.
Another option is to join a health plan through your state or federal government. These plans are called Medicaid and Medicare. Medicaid is for people who have low incomes, and Medicare is for people who are 65 years or older.
Finally, you could join a group health plan through your job. Group health plans are offered by many employers, and they usually have lower premiums than individual health plans.
You may have pre-existing conditions that you’re worried about when it comes to health insurance. Raffles Health Insurance is here to help. We offer coverage for a wide range of pre-existing conditions, so you can rest assured that you’re covered.
We know that it can be hard to find health insurance that covers pre-existing conditions, which is why we offer comprehensive coverage for a wide range of conditions. So whether you have a chronic illness or a condition that’s been previously diagnosed, we can help.
Don’t let your pre-existing condition keep you from getting the coverage you need. Raffles Health Insurance has you covered.