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Insurer wants to exclude breast cancer
19 Jul 2021 (404 views)

Hi Mr. Tan
I’ve a question regarding insurance and I wasn’t sure who to go to. Although I’ve insurance agents, I wasn’t sure asking them would help. I thought of you because you’ve extensive experience in this field.

I’m a female in my 40s. Recently, while trying to purchase early critical illness, I was told that coverage for some of my female reproductive organs (e.g., breast) because in my medical report, cysts were found. Although the doctors recommended reviews to be done, I was not put on medication, or asked to go for surgery.

For a female in my age group, the risk of breast cancer is rather high. To be excluded for coverage does not make sense for me. Further, I know of many females who have similar condition. How should I approach the purchase of early critical illness?

If I have only $1, what insurance should I provide, given that coverage for some of these organs is not provided? Further, while coverage is excluded, the insurance premiums did not decrease. As a consumer, I feel that I’ve drawn the shorter end of the stick.

Any feedback, insights and opinions from you would be greatly appreciated. Thank you!

REPLY BY TKL
If you are insured under Medishield Life or an integrated plan, the cost of medical treatment required for breast cancer is covered by the insurance policy (excluding the co-payment that can come from your Medisave account).

The critical illness insurance pays you a lump sum if you suffer from breast cancer that has reached an advanced stage. Cover for early stage critical illness is expensive.

If the insurance company wants to exclude the cover for breast cancer, you should not take the policy. Instead, you can just rely on Medishield Life/ integrated plan to cover the cost of medical treatment.

 


Insurer wants to exclude breast cancer
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Hi Mr. Tan
I’ve a question regarding insurance and I wasn’t sure who to go to. Although I’ve insurance agents, I wasn’t sure asking them would help. I thought of you because you’ve extensive experience in this field.

I’m a female in my 40s. Recently, while trying to purchase early critical illness, I was told that coverage for some of my female reproductive organs (e.g., breast) because in my medical report, cysts were found. Although the doctors recommended reviews to be done, I was not put on medication, or asked to go for surgery.

For a female in my age group, the risk of breast cancer is rather high. To be excluded for coverage does not make sense for me. Further, I know of many females who have similar condition. How should I approach the purchase of early critical illness?

If I have only $1, what insurance should I provide, given that coverage for some of these organs is not provided? Further, while coverage is excluded, the insurance premiums did not decrease. As a consumer, I feel that I’ve drawn the shorter end of the stick.

Any feedback, insights and opinions from you would be greatly appreciated. Thank you!

REPLY BY TKL
If you are insured under Medishield Life or an integrated plan, the cost of medical treatment required for breast cancer is covered by the insurance policy (excluding the co-payment that can come from your Medisave account).

The critical illness insurance pays you a lump sum if you suffer from breast cancer that has reached an advanced stage. Cover for early stage critical illness is expensive.

If the insurance company wants to exclude the cover for breast cancer, you should not take the policy. Instead, you can just rely on Medishield Life/ integrated plan to cover the cost of medical treatment.