In Singapore, basic health insurance needs are covered under the CPF Medishield scheme, you can upgrade your basic Medishield Life to private insurers for better coverage. These plans are called private Integrated Shield Plans (IPs). In this article, I will explain what Medishield Life is and how the integrated shield plans work.
What is Moratorium Underwriting
When you apply for private health insurance, the insurer will review the risk of your application, known as ‘underwriting’, in one of two ways, ‘Moratorium Underwriting’ or ‘Full Underwriting’. Most insurers in Singapore accept only “Full Underwriting”. You will be required to complete a full medical questionnaire covering every illness, condition and doctor’s diagnosis prior […]
Moratorium Underwriting by Aviva
When you apply for private health insurance, the insurer will review the risk of your application, known as “underwriting”, in one of two ways, “Moratorium Underwriting” or “Full Underwriting”. Most insurers in Singapore accept only “Full Underwriting”. You will be required to complete a full medical questionnaire covering every illness, condition and doctor’s diagnosis prior […]