Hello,
I am writing this as I was rejected by AIA for my hospitalisation plan and I really regretted declaring my depression to the insurer for real.. Now it feels like I cannot buy any insurance anymore because of mental health (stigma for real) and it gives me anxiety at the thought of it that I rather lie down on the streets if any emergency issues happen instead of seeking medical help cuz i do not have the money for medical (plus i am unemployed now from termination which makes things worse). Recently i have been having back pain as well which i got a feeling i will be hospitalised for a surgery soon, but the huge amount of money? I dont think i can fork out a single cent so i would rather risk my health than to pay for medical.
And on top of that, i didnt tell my mum about this so she keep thinking i am actually covered when I am not. So in the future, if really kena asked, idk what to say to her.
So i really need help from yall. Those who r diagnosed with depression or any other mental health issues, how did yall buy insurance? Where? And should Indeclare in mt next one?
A little tip, for those who r planning to get diagnose, please get insurance first before getting diagnosis.
Hi OP,
I got my insurance before I got myself checked out for depression. I was advised to settle my insurance first before checking up for mental health issues, so I did just that. I’m currently on anti-depressants, and I’ve had no issues so far. Probably have to pay a little bit more because of it, lol. Although, I cannot speak for hospitalization as I’ve not had to do that.
Are you unable to get subsidized for your surgery? I believe if you are Singaporean/PR, you may get subsidized for it, but I am unsure as I am not local.
Hello, thank you for your reply. The thing is, i only knew it after my diagnosis which is tbh i am regretting my diagnosis cuz it is of no help to me but more trouble and i am not on meds currently to get myself more qualified but still got rejected… Sigh regretted not bying insurance before my depression diagnosis.. Now i am like i shall just lie down on the streets and rot than to see a doctor cuz too exp.. Sorry for the negativity..
Hey OP,
Don’t apologise, I understand your frustration! I also got forced to get hospitalized at IMH when I was crashing out due to my depression. It was only after getting insurance that because of that, my premium will have to be slightly adjusted to be pricier. Like…okay, sigh. I’m really sorry that the insurance is failing to assist with your finances…
Is it possible to bring up your issue to a social worker? I don’t benefit from it because I’m not local, but perhaps if you are, they may be able to work something out.