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CAN WE INCLUDE AN EMPLOYEE WITH AN PRE-EXISTING CONDITION IN OUR EMPLOYEE MEDICAL INSURANCE?


Once an employee is excluded from the policy, it will be a challenge to include him in the policy due to his pre-existing condition.


We still can appeal to the underwriter to include him, and these are the three possible results 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 pocket.


Three possible results from the underwriter

  1. The case is still decline

  2. Extra loading of the premium may apply

  3. Extra loading of premium applies, still exclude diabetic condition, and all illnesses may be caused as a result of this condition.

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