Anonymous

27 Dec 2019

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What are the alternatives of the Critical Illness policy for cancer survivors?

I was a cancer patient more than ten years ago. I file a claim and surrendered my AIA and AXA insurance policy previously. I am now left with Aviva Whole life policy but exclude breast related disease even before I have breast cancer. I have contacted Aviva for lift up the exclusion in the policy document but no successful. Recently, I took up the Income Medishield Enhanced plan but again breast related disease exclusion.

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Yixiong Chang

27 Dec 2019

Moratorium underwriting will not work as cancer is a permanent exclusion.

Are you asking regarding medical/hospitalisation plans or plans that will give lump sum payout inevent of critical illness?

There are no individual medical plans in the market that will not exclude your condition if you are even accepted.

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Isabel Wong

24 Dec 2019

Unfortunately there are not much alternatives besides saving more cash to ensure that you are financially ready should you happen to have a disease that is not able to be claimed.

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Vicki Chng

24 Dec 2019

To be honest it's very hard once you are diagnosed with an illness to get coverage that will not exc...

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Understand the premium is quite steep for critical illness insurance that covers early to late-stage critical illness. Any merits for getting these types of insurance? If not, any alternatives?

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