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Aviva MyShield Moratorium Underwriting

Aviva’s MyShield is currently the only Medisave-approved integrated Medishield policy of the 5 offered in the market to offer Moratorium Underwriting alongside the more traditional Full Medical Underwriting option. Full Medical Underwriting requires the applicant to fully disclose material facts of his medial history and conditions. The insurer will then decide whether to exclude declared pre-existing conditions or even decline the application.

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Some FAQs on Insurance

Have been getting some recurring questions as well as repeated search queries reaching this site. I think it will be good if I can answer some of the more frequently asked questions about insurance.

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Enhanced Aviva MyShield

Good news to MyShield policyholders and people considering to take up MyShield – Aviva has recently enhanced MyShield, their integrated Medishield policy designed to insure against healthcare costs in Singapore. Even better news would be that these improvements in benefits do not come with any increases in premiums.

Here are the notable enhanced benefits:

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No Trouble Until Claim? Smear Tactics Employed by Unethical Agents

In my line, I have always heard horror stories and unbelievable anecdotes of how some agents go all out to make a sale. Some of these are rather complex and difficult to describe to people outside of the industry, but the following is something that is easily shared.

NTUC Income has some pretty good insurance policies that are also cost-effective. Tied agents of other companies usually feel hard pressed to compete with these policies. I have faced this previously, and while I eventually decided to offer my clients better value by crossing to an IFA, other agents have come up with “creative” smear tactics to discredit their competitors, like branding NTUC as – “No Trouble Until Claim”, a play on the abbreviation.

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