Hi lonewalker thanks for the info. BTW I have blood test every 6 month to check my hepatitis status. Is it considered as seeking medical consultations?
Unfortunately, it does. Moratorium however is useful for people who has medical conditions like high blood and diabetes which usually they risk their entire policy rejected.
If they apply with Aviva, they will be covered for Cancer (Nothing to do their pre-existing) using moratorium.
If they apply using full medical underwriting, they risk their entire application rejected. Thus risking cancer coverage being thrown out of the window together.
Especially useful and usually depends on the insured health conditions.
My Advise is for you to apply through Moratorium if you dont have any shield plan, and then submit your application with other insurer declaring full. This way, you can always fall back on Aviva and hope that the other insurer can give you a standard cover after accessing your HEP B situation. However, your HEP B will be most likely permanently excluded even with Moratorium as you goes for half yearly checkup.
Best that if you declare full with other insurer, you supply them with all your medical reports. This will help the underwriters better understand your exact health condition.
Vague declarations are usually issued with an exclusion clause even though your condition might be mild.
Since Health Insurers premiums are low, they dont send you for free medical check up like what life insurance applications will.
But in your case, you already have a shield plan covering you everything else except your pre-existing. In this case, you might as well stick with your old plan as Aviva will not cover even with moratorium since you are going for half yearly follow-up review. This will breach the moratorium clause.
Moreover if you develop other conditions since your shield plan inception, changing to Aviva risk addition exclusions if the conditions requires you to go back for review.
