Hi guys. I need some advise and a question answered. Long story short, my agent altered my registration form and removed my pre-existing conditions. The agent promised to fix it when I found out while trying to make a claim but then he either quit or got fired and I was reassigned to his boss who isn't helpful. I declared my pre-existing conditions in full when making another claim (not related to my pre-existing condition) and the insurance got back to me with this offer:


Exclusion:


Original plan:


1. What does the 50% for Full Coverage (HealthEnrich Premier) mean?
2. Is it worth continuing this policy or will I be able to get a better deal elsewhere, in light of pre-existing conditions and older age? I'll be 38 this year but the exclusion and 50% coverage while maintaining the premium, which was increased this year, seems hefty. I'm generally healthy without any diseases that require continuous medical intervention or medication.
3. Will the insurance still process my second claim for a procedure not related to my pre-existing condition?

This post has been edited by neoexcaliber: Apr 3 2021, 01:03 PM