Uninsurable Medical Conditions For Basic Eldershield and Primeshield

Thu, May 15, 2014

Insurance

In my previous post, I have shared more on how to enhance further your disability insurance coverage.

Alhamdulillah, since then, I have been receiving emails from a lot of you  to enquire more on NTUC Income Primeshield plan. 🙂

Nevertheless, I feel sad, that on a normal circumstances, if I meet 10 clients, who want to enhance their disability insurance coverage, I realised almost 4-5 of them already have pre-existing illnesses. Some are lucky, that, they are still accepted with a  loading (extra premium), but there are many too whose application got rejected.

Thus, I come out with a list below, to share with you, the medical conditions that are not insurable under Basic Eldershield and Primeshield.

The list is not exhaustive but serves as a guideline for me, when I want to suggest my clients to enhance their disability insurance coverage.
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– Alzheimer’s Disease (progressive degenerative disease of the brain)

– Arterial aneurysm (swelling or dilatation of an artery due to weakening of its wall)

– Cancers with lymph node(s) involvement or spread to other sites

– Dementia (failing memory)

– Type 1 Diabetes Mellitus (we may consider Type 2 Diabetes Mellitus with a loading if the condition is well controlled)

– Down Syndrome

– Kidney failure/ Kidney transplant

– Marfan’s syndrome with cardiovascular involvement
(- A disorder of connective tissue (tissue that strengthens the body’s structures) and it affects the skeleton, heart and blood vessels, eyes, skin, nervous system, respiratory systems.
– People with Marfan tend to be unusually tall, with long limbs and long thin fingers.)

– Multiple myeloma/ plasman cell disorders
( -A cancer that begins in plasma cells (a type of white blood cell). These cells are part of your immune system (help protect the body from germs and other harmful substance. Early symptoms may include bone pain, broken bones, weight loss, weakness or fatigue, repeated infections).

– Multiple myeloma/ plasma cell disorders
(- A cancer that begins in plasma cells (a type of white blood cell). These cells are part of your immune system (help protect the body from germs and other harmful substance. Early symptoms may include bone pain, broken bones, weight loss, weakness or fatigue, repeated infections).

– Multiple sclerosis (chronic disease of the central nervous system)

– Muscular dystrophy (hereditary muscle disorder in which slow, progressive degeneration occurs, leading to increasing weakness and disability)

– Parkinson’s Disease (a degenerative disorder of the central nervous system)

– Paraplegia (paralysis of the legs and lower body)

– Polycystic Kidney Disease (an inherited condition in which the kidney(s) contain many cysts)

– Systemic Lupus Erythematosus (SLE) with complications
( It is a long term auto-immune disorder (means the body’s immune system mistakenly attacks healthy tissue, which leads to a long term inflammation) that may affect the skin, joints, kidneys, brain, and other organs.

– Schizophrenia (a major mental disorder)

– Stroke

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The above is not an exhaustive list. The insurance company reserves the rights to decline or postpone any application when deemed necessary. Thus, I highly encourage, those of you who are above the age of 40, and have a clean slate of health, to enhance your disability insurance coverage as soon as possible.

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Today, you might be healthy. We wont know, when illneses will come, and if it comes, it is best if you have all the insurance coverage ready to support you, when in need. Contact your financial advisor or myself, Helmi Hakim at 96520134, to learn more. 🙂

 

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This post was written by:

- who has written 436 posts on The Official Helmi Hakim Website.

A certified financial consultant, Helmi Hakim has won praise for his patience, perseverance and practicality when solving his clients' financial concerns. For more information on how you can manage your finances better, contact Helmi Hakim at 96520134.

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