Mahjong74 Supercharged January 7, 2014 Share January 7, 2014 (edited) Went for Insurance medical checkup 2 weeks ago. Nowadays they are very strict. They will not cover any pre-existing medical condition. Just received the letter today. The letter make me very worried. And this is from a big insurance company in Singapore Edited January 7, 2014 by Mahjong74 ↡ Advertisement Link to post Share on other sites More sharing options...
Ender Hypersonic January 7, 2014 Share January 7, 2014 Even if the pre-existing condition is unknown to you at the moment you sign up the insurance, but along the way, thru medical checkup, they found you have pre-existing condition that they deemed should be inflicted before the signing of contract, it's consider not covered. They may even get doc's opinion to say that such condition do not happen over night or hapeen during birth, so that is consider pre-existing. Regardless you are aware of it during the signing. Link to post Share on other sites More sharing options...
Jman888 Moderator January 7, 2014 Share January 7, 2014 (edited) do you know you have color blindness in the first place? or you have doubt that you have one? I ever went for a pre insure medical check up and was refer to a panel of doctor by the insurance company. they say I have something (forget what was that) and need to increase the premium by double, I told them thanks and took the business to another insuramce company when the check up show everything was ok. Edited January 7, 2014 by Jman888 Link to post Share on other sites More sharing options...
Kusje Supersonic January 7, 2014 Share January 7, 2014 Went for Insurance medical checkup 2 weeks ago. Nowadays they are very strict. They will not cover any pre-existing medical condition. Just received the letter today. The letter make me very worried. And this is from a big insurance company in Singapore It's fair isn't it? Insurance is the pooling of risk - if you are already sick or have a condition, why should the other healthy people in your pool help you to pay for your treatment? Link to post Share on other sites More sharing options...
Vega Turbocharged January 7, 2014 Share January 7, 2014 Colour blindness can get driving license? Link to post Share on other sites More sharing options...
Friendstar Supercharged January 7, 2014 Share January 7, 2014 Apparently yes. I have a colleague who is color blind. But still got licence Link to post Share on other sites More sharing options...
Mahjong74 Supercharged January 7, 2014 Author Share January 7, 2014 (edited) do you know you have color blindness in the first place? or you have doubt that you have one? I ever went for a pre insure medical check up and was refer to a panel of doctor by the insurance company. they say I have something (forget what was that) and need to increase the premium by double, I told them thanks and took the business to another insuramce company when the check up show everything was ok. I know I have color blindness since childhood. Manage to read 3/4 of the colour blind test book and thus, not many people know I am color blind. Passed driving license and drove for 20 yrs without any accident. Edited January 7, 2014 by Mahjong74 Link to post Share on other sites More sharing options...
Myxilplix Turbocharged January 7, 2014 Share January 7, 2014 Errr all pre-existing is not covered what, what's new about this and what's there to be careful about? You're supposed to provide full disclosure. Link to post Share on other sites More sharing options...
Mahjong74 Supercharged January 7, 2014 Author Share January 7, 2014 It's fair isn't it? Insurance is the pooling of risk - if you are already sick or have a condition, why should the other healthy people in your pool help you to pay for your treatment? I really hope that I can pay for my treatment but NO doctor able to treat me yet. Link to post Share on other sites More sharing options...
Shull Turbocharged January 8, 2014 Share January 8, 2014 All along that has been the case what. Insurance is to cover situation which you don't expect, and pre-existing medical condition is something which you expect and thus cannot be covered. And this is what Obamacare is trying to push. Making it illegal for insurance companies to refuse to cover for pre-existing medical condition. Link to post Share on other sites More sharing options...
Sci10213 3rd Gear January 8, 2014 Share January 8, 2014 Colour blindness can get driving license? Why not? As long as the person is not colour blind to Red, Green & Amber. Link to post Share on other sites More sharing options...
Mustank Hypersonic January 8, 2014 Share January 8, 2014 I really hope that I can pay for my treatment but NO doctor able to treat me yet. of course fail colour blindness test you must first take off the helmet lai bin, orh orh, ang ang, kuah boh Link to post Share on other sites More sharing options...
Sci10213 3rd Gear January 8, 2014 Share January 8, 2014 Went for Insurance medical checkup 2 weeks ago. Nowadays they are very strict. They will not cover any pre-existing medical condition. Just received the letter today. The letter make me very worried. And this is from a big insurance company in Singapore From the contents of the letter, it suggests that the policy is a group policy as per the statement: "contract with your organization". You might want to consider to purchase another policy on your own with another insurer who may insure you for colour blindness at a higher premium. Do your homework. Singapore has a number of health/life insurers for you to choose. Cheap does not come good; likewise good does not come cheap! Link to post Share on other sites More sharing options...
Nzy Twincharged January 8, 2014 Share January 8, 2014 This is normal. Especially for group insurance. You can try and get your own insurance and see if they will offer to cover you with loading lo. Link to post Share on other sites More sharing options...
Maxus-MIFA9 Supersonic January 8, 2014 Share January 8, 2014 Now even if you want to buy life policy for your child lets say from age 1, they will ask history of both parents and parents family trees .... Link to post Share on other sites More sharing options...
Lala81 Hypersonic January 8, 2014 Share January 8, 2014 im red-green color blind. i'm pretty sure that there's no loading for that. Afterall it doesn't affect one's life other than best not to do certain professions lol.... Link to post Share on other sites More sharing options...
SoDoMePls 1st Gear January 8, 2014 Share January 8, 2014 that's why buy earlier the better. ↡ Advertisement Link to post Share on other sites More sharing options...
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