WCW:

daddy2007:

Must also understand that agent is vested as they have family to support too. They must sell in order to have income.

but i dont think mis-selling is the correct way. giving me the expression that even normal natural illness like cough, cold, etc can be claim in this policy, if i bought it and when i want to claim but cant, imagine how bad impression i will have on the agent and i believe it will also spoilt her reputation too

anyway, buying insurance must always check with some other agents before deciding as too many mis-selling nowadays...

I totally agree with this. Mis-leading is definitely a wrong thing to do. I was also told by one agent that this medical reimbursement also covers natural illness. Luckily I read the detail terms carefully.

financial_guru:

30plus:

The biggest problem of the free coverage is that when it is over, your child may not get an insurance plan due to existing illness, touch wood. I chose not to take this risk....

Hi 30+, sorry but I'll need to correct your understanding. When the free coverage is over at 20, aviva will still continue the plan 2 coverage for your children, its just a matter of the premiums no longer being free for your child. Aviva will start deducting the premiums from the parent's medisave.

There is no 2nd round of underwriting at age 20 for your child.
I hope your agent didn't confuse you! :?

Is this written black and white somewhere? Any document support? Thanks.