Photo by Dave-F

Photo by Dave-F

The most common exlusion in Health Insurance is a “Pre-existing condition” exclusion. This exclusion means that any illness or disability that you have, or have had, when you sign up for the plan will not be covered. We have to also bear in mind that the definition of “Pre-existing condition” varies among different insurer.

Let us go through the definition of “Pre-existing Illnesses” clause of our Shield Plan providers.

Aviva – MyShield
means any Injury, Illness, condition or symptom:
(a)for which treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable by You or the Insured Person prior to the Insured Person’s Effective Date or the date of Upgrade or the date of the last Reinstatement, whichever is later, for the Insured Person concerned, or
(b) which originated or was known to exist by You or the Insured Person prior to the Insured Person’s Effective Date or the date of Upgrade or the date of the last Reinstatement, whichever is later, whether or not treatment, or medication, or advice, or diagnosis was sought or received. Read more…