请专业人士继续指点这个给小孩的免费保障挺好的，但是小孩20岁以后会是什么情况呢？保单合同上没有明确写明，我找的Aviva经纪都跟我说小孩20年后会自动扣钱续约，但是都不能提供严谨的书面材料支持。
我所担心的是如果小孩在20岁之前出现什么健康状况，20岁以后还会不会受保障。如果20岁续约的时候要根据那时候的身体状况重新评估，那我还不如现在就花点钱单独买一个合适的保单呢。
小孩子一年用CPF加上Cash出的保费一共也就400多一点，就算是500好了，20年下来也就10000左右。如果为了省下这一万而出现小孩20岁以后某些疾病住院没有保障，我觉得有些得不偿失。
我曾经写信给Aviva的客户服务专门询问这个问题，可是居然一直没有给我具体回复，只给了个Ack，还是系统自动给的，说是会在2个工作日给我回复。我很无奈啊。希望相关专业人士或者有此类经验的服务给予指点。
专业人士给你解答下 我前几天发EMAIL 问的AVIVA
前几天我发邮件问的，以下是回复， 其实你也可以的打热线问。 最近保险公司有开始提升这个SHIELD PLAN 了， 先是AIA 然后这个月AVIVA 也会升级
Subject Re: Fwd: Enquiry About my Shield/ my Shield Plus
Sender CS Life Add contact
Recipient mao.xueyan@finexis.com.sg Add contact
Date 24.06.2011 14:59
Dear Cindy
We refer to your email below.
We have checked and are sorry to share that we did not receive your first email dated 20 June 2011.
We wish to share as follow:
1. If both parents insured under Aviva, then kids can enjoy free coverage , if one of parents or both of them passed away during this free period, can kid still enjoy coverage by paying the full premium?
Reply: If one of the parents has passed away, the children will not enjoy the free cover.
2. If child during this free period 20 years he suffered critical illness,can he still continue plan after 20 yrs without any change in plan by paying premium himself ? Is it guaranted renewable ? Does it term and condition same as individual plan ? as i cant see such clause in policy contract.
Reply: MyShield/MyShield Plus a guaranteed renewable plan. Once the children has been covered under the MyShield/MyShield Plus, no further underwriting is required when the free cover has ceased.
If you have any questions, please call the Customer Service hotline 6827 9923 or email us at cs_life@aviva-asia.com. Our operating hours are 8.45am - 5.30pm, Monday - Friday, excluding Public Holidays.
Thank you for entrusting us as your preferred business partner and we look forward to serving you.
Warm regards
Shirley Wang (Ms)
Executive
Service Relations
Customer Care
Aviva Ltd
4 Shenton Way
#01-01 SGX Centre 2
Singapore 068807
Phone : 6827 9933 Fax : 6827 7480 Mobile :
Internet : cs_life@aviva-asia.com
Co. Reg. No. 196900499K
"In line with MAS Fair Dealing Outcomes, we at Aviva are committed to Treating Customers Fairly"
CONFIDENTIALITY NOTICE
This e-mail (including any attachments) may contain information that is privileged or confidential. The sending of this e-mail to any person other than the intended recipient is not a waiver of the privilege or confidentiality that attaches to it. If you are not the intended recipient, please notify the sender immediately, delete the email and do not copy, distribute or disclose its contents.
Subject Re: Fwd: Enquiry About my Shield/ my Shield Plus
Sender CS Life Add contact
Recipient mao.xueyan@finexis.com.sg Add contact
Date 24.06.2011 14:59
Dear Cindy
We refer to your email below.
We have checked and are sorry to share that we did not receive your first email dated 20 June 2011.
We wish to share as follow:
1. If both parents insured under Aviva, then kids can enjoy free coverage , if one of parents or both of them passed away during this free period, can kid still enjoy coverage by paying the full premium?
Reply: If one of the parents has passed away, the children will not enjoy the free cover.
2. If child during this free period 20 years he suffered critical illness,can he still continue plan after 20 yrs without any change in plan by paying premium himself ? Is it guaranted renewable ? Does it term and condition same as individual plan ? as i cant see such clause in policy contract.
Reply: MyShield/MyShield Plus a guaranteed renewable plan. Once the children has been covered under the MyShield/MyShield Plus, no further underwriting is required when the free cover has ceased.
If you have any questions, please call the Customer Service hotline 6827 9923 or email us at cs_life@aviva-asia.com. Our operating hours are 8.45am - 5.30pm, Monday - Friday, excluding Public Holidays.
Thank you for entrusting us as your preferred business partner and we look forward to serving you.
Warm regards
Shirley Wang (Ms)
Executive
Service Relations
Customer Care
Aviva Ltd
4 Shenton Way
#01-01 SGX Centre 2
Singapore 068807
Phone : 6827 9933 Fax : 6827 7480 Mobile :
Internet : cs_life@aviva-asia.com
Co. Reg. No. 196900499K
"In line with MAS Fair Dealing Outcomes, we at Aviva are committed to Treating Customers Fairly"
CONFIDENTIALITY NOTICE
This e-mail (including any attachments) may contain information that is privileged or confidential. The sending of this e-mail to any person other than the intended recipient is not a waiver of the privilege or confidentiality that attaches to it. If you are not the intended recipient, please notify the sender immediately, delete the email and do not copy, distribute or disclose its contents.
[本文发送自华新手机Wap版]
Huasing Association 1999 - 2013