Anyone with autoimmune diseases who was still able to get health insurance / HMO?
Problem/Goal:
I’m looking for recommendations on health insurance or HMO providers that accept people with pre-existing autoimmune conditions, or at least offer coverage with exclusions instead of outright declining the application.
Context:
I currently have two life insurance/VUL policies, but what I really want is comprehensive health insurance or an HMO with a higher annual limit.
My medical history includes:
Rheumatoid Arthritis (diagnosed at 20)
Adenomyosis (diagnosed at 25)
Cutaneous lupus (diagnosed last year)
The good thing is that my RA has been in remission for years, and my conditions are currently stable. I also have an HMO through my employer, but the annual limit is relatively low, so I’m hoping to get additional coverage.
I recently tried applying for AXA Global Health Insurance, but I was declined because of my pre-existing conditions.
I’m willing to pay higher premiums if needed. What frustrates me is that I keep getting rejected despite my conditions being well-managed.
Previous Attempts:
Applied for AXA Global Health Insurance (declined)
Currently covered by my employer’s HMO, but the annual limit isn’t enough for my needs
Already have two life insurance/VUL policies, but they don’t provide the health coverage I’m looking for
Has anyone with RA, lupus, or other autoimmune diseases been able to get approved for an HMO or health insurance in the Philippines? Which provider accepted you, and were there any exclusions?
I’d really appreciate hearing your experiences or recommendations. Thank you!