@Phoebe ****
We are in our upper 50's, and I had at least a few pre-existing conditions, some of which I had excluded to keep the premium realistic, and this included my HBP & Cholesterol meds. These meds where horrendously expensive in Singapore, but where under a 3rd of the cost here. Maybe even a quarter of the cost. All available OTC without prescription, but I did get a letter from my doctor before I relocated. So, long story short, I allowed my HBP & cholesterol cover to be excluded from my insurance. Just requires you to disclose to your insurer, and they will have a rider that will exclude it. If they can cover it, for not much more than out of pocket, I'd have paid up, but for me the difference in cost was wide. Good luck 👍