I have this policy which has been in-force since 1 Mar 2013 . At that time, because of my pre-existing medical conditions, I have some difficulties getting an integrated shield plan. Fortunately I was able to sign up this policy with Moratorium Underwriting.
[Terms & Conditions]
For the Moratorium Underwriting, to continue to be covered, I must survive without major conditions that relates to my pre-existing one for the next 5 years. Nothing happened for the past 5 years after the policy inception, and I am still covered as at this day.