Updated: Mar 3
Once an employee is excluded from the policy, it will be a challenge to include him onto the policy due to his pre-existing condition.
We still can appeal to the underwriter to include him, and these are the three possible result we may get after the appeal.
Firstly, the insured will have to obtain a medical report from his attending doctor to certify his current condition and the member will have to bear the examination cost from his own pocket.
Three possible results from the underwriter
The case is still decline
Extra loading of premium may apply
Extra loading of premium apply, still exclude diabetic condition and all illness may be caused as a result of this condition.