Moral responsibility of a insurance company

Dear Mr Tan,

I read with interest the recent press stories regarding AVIVA's refusal to pay a woman's medical insurance claim on grounds of a "pre-existing condition" despite her being unaware of it.

Sure, one must always carefully read the terms of contract and contract language that is unambigious would leave little room for doubt.

But I cannot agree with AVIVA's clause because THE key motivation for people taking up insurance is to provide financially for the unexpected! AVIVA's clause though precise, leaves little doubt as to its intention.

At least one doctor has written publicly to suggest what constitutes a "pre-existing condition" is a matter of professional opinion, and there may be serious conditions that are latent.

There is a moral responsibility on the part of insurance companies to its policyholders. Insurance companies should not hide behind the veil of a carefully worded contract to avoid paying a claim.

There have been many cases of fraudulent claims but I am certain health insurance is one area few would like to invoke if one had a choice.

Though I have chosen to write to you in your personal capacity, I always regarded NTUC Income (thanks to your stewardship) as being more "responsible" and it is my hope that your successor will continue your good work.

Kind regard.