If I switch from a higher coverage Integrated Shield Plan (IP) to the Standard (IP) with the same insurer, will I need to go through additional underwriting and will my previous exclusions remain?

Question

Accepted Answer

If you are intending to switch to a plan with lower coverage within the same insurer, you will not need to go through additional underwriting*.

However, any exclusions on medical conditions you had on your original Integrated Shield Plan (IP) will be retained when you switch to a new plan.

You may wish to speak to your financial advisor who will be able to advise on your options.

*However, if you are on a higher coverage IP and had gone through moratorium underwriting, you will need to go through underwriting to switch to the Standard IP.

If I switch from a higher coverage Integrated Shield Plan (IP) to the Standard (IP) with the same insurer, will I need to go through additional underwriting and will my previous exclusions remain?

Related questions

Can I upgrade to a higher coverage Integrated Shield Plan (IP) in future, if I buy the Standard IP now?

I want to get the Standard Integrated Shield Plan (IP) but my insurer’s premiums are higher than other insurers. Should I switch to a Standard IP under another insurer?

If I downgrade to a lower coverage Integrated Shield Plan (IP) or to MediShield Life, or switch to an IP with another insurer, will I need to go through health assessment/ underwriting again?

Can I get a pro-rated refund of the premiums for my original Integrated Shield Plan (IP) if I downgrade or switch from a higher coverage plan to the Standard IP before my premium renewal date?