KeenToLearn
Registered User
- Messages
- 9
Hello,
I’m looking for some advice on selecting a Health Insurance Policy. I am 37, male and have not had health insurance for 10 years.
I have a pre-existing cardiac medical condition. I have not needed surgery or any interventions so far but most likely will down the road. I do have checkups and scans in private hospitals that I paid for myself, again not very often.
I am aware of the 5 year waiting period for cover, but want to know if there is any buy back options for years not insured or if it’s a rigid 5 years and that’s it.
Based on my medical requirements to have access to cardiac related care in future, what’s the best strategy for selecting a plan. Is it get a decent standard plan for 3 years and then for years 4 and 5, select the actual plan tailored for cardiac related care so the 2 year plan waiting time and the 5 year pre existing condition waiting times are covered.
If this is the best way, can you recommend the most suitable packages available.
Thanks.
I’m looking for some advice on selecting a Health Insurance Policy. I am 37, male and have not had health insurance for 10 years.
I have a pre-existing cardiac medical condition. I have not needed surgery or any interventions so far but most likely will down the road. I do have checkups and scans in private hospitals that I paid for myself, again not very often.
I am aware of the 5 year waiting period for cover, but want to know if there is any buy back options for years not insured or if it’s a rigid 5 years and that’s it.
Based on my medical requirements to have access to cardiac related care in future, what’s the best strategy for selecting a plan. Is it get a decent standard plan for 3 years and then for years 4 and 5, select the actual plan tailored for cardiac related care so the 2 year plan waiting time and the 5 year pre existing condition waiting times are covered.
If this is the best way, can you recommend the most suitable packages available.
Thanks.