Pre-existing conditions that your insurance may exclude

healthcare insurance

The definition of a pre-existing condition may vary amongst different insurance companies, but it generally refers to any injury, illness, disease, sickness, medical condition, or symptom a person may have prior to signing up for an insurance plan. More often than not, if you have a pre-existing condition that develops before a health insurance plan is set in place, it is excluded and can be extremely difficult to get coverage. Here’s a list of conditions that are most commonly excluded from a health insurance plan.

1. Hypertension and hyperlipidaemia

Sounds overly profound? Well, they’re more commonly known as high blood pressure and high cholesterol. While having either condition makes it hard to get coverage, having both at the same time rules out the possibility almost entirely. That is because they complement each other to heighten the risk of heart attacks and strokes. In fact, high cholesterol on its own often leads to the development of high blood pressure over a period of time—which is why knowing and maintaining a healthy level of cholesterol is so important.

Guidelines for recommended cholesterol levels:

You can visit the doctor for a cholesterol test or purchase a cholesterol home test kit.

For total cholesterol (milligrams per deciliter mg/dL):

  • Less than 200 mg/dL is considered healthy.
  • 200 to 239 mg/dL is considered borderline high.
  • 240mg/dL and above is considered high.


2. Asthma

Asthma is one of the most understated conditions that people may have. Perhaps due to it being so common, people often assume it is covered by insurance when it is actually not. It also falls under the radar compared to other well-known chronic diseases such as heart disease, cancer, and diabetes—but that doesn’t make asthma any less deadly. In fact, the death rate for adults are five times that of younger patients*. Such startling statistics show why it is extremely important for people with asthma to recognise the symptoms correctly and not dismiss them.


Common asthma symptoms:

It is important to not simply associate the following symptoms to old age, weight gain, or lack of fitness. Always go for a health checkup when you’re unsure.

  • Coughing, especially during the night
  • Wheezing (a whistling sound often heard when exhaling)
  • Shortness of breath
  • Chest pain, tightness, or pressure


3. Behavioural health disorders

Behavioural health disorders are often included as an exclusion in health insurance plans, but not everyone know what it really refers to. It is actually a term that includes mental illnesses such as depression and anxiety, and addictions such as substance abuse. Mental disorders, in particular, have been increasingly prevalent in today’s society, with numerous high-profile suicides few years ago that includes fashion icon Kate Spade and celebrity chef Anthony Bourdain. In fact, it has become so prominent that the World Health Organisation deems depression as ‘the leading cause of disability worldwide’.

Did you know?

Depression is a hidden illness and can often be undetected by people until it spirals out of control. Learn to recognise symptoms such as feelings of hopelessness, loss of interest in activities, and insomnia in your family, friends, and co-workers.


With these common exclusions in mind, it highlights the importance of having a health insurance plan such as MSIG’s MediSure Plus in place from an early stage. That is because if a condition like high cholesterol develops after you purchase health insurance, you will still continue to be covered.

If you have any queries regarding different health insurance plans, please feel free to contact us  contact or find out more about our insurance plans through:

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