Insurance Coverage Discrimination against Persons with Pre-existing Conditions

Dr Tan Wu Meng asked the Minister for Health (a) whether the Ministry works with healthcare insurers, including Integrated Shield Plan (IP) insurers, to ensure that exclusion criteria are based on appropriate medical and actuarial grounds and do not inappropriately or disproportionately discriminate against persons with pre-existing conditions; and (b) what avenues of appeal are available to persons concerned that an insurer's decision to deny coverage might be unreasonable.

This question was addressed in the reply to Question Nos 20 and 21 for Oral Answer on the Order Paper for 19 September 2023. [Please refer to "Insurance Coverage for Individuals with Mental Health Conditions", Official Report, 19 September 2023, Vol 95, Issue 112, Oral Answers to Questions section.]