MINDEF and MHA Group Insurance

Pre-existing condition(s) if not declared when he/she first applied or subsequently apply to upgrade his/her coverage will not be honored in the event of a claim. Pre-existing condition(s) will be subjected to underwriting and you will be communicated in writing of such underwriting decisions.

Your coverage will commence within 5 working days upon receipt of an application if the health declaration is acceptable by the underwriters. However, if there is a medical issue and further medical evidence(s) is/are required, it would take longer, depending on when the applicant can furnish the evidence to support his application.