Do not any how let agent switch your IP plan with exclusion

I have just concluded a breast cancer claim case to pay out 2 critical illness policy.
My this client few years ago switch out her IncomeShield to company Pshield, and because of breast carcinoma in situ then, was accepted with Special Term to exclude breast cancer treatment.

As an ethical agent, would she be advised to accept to cross over? She  was advised to accept, this is the most ridiculous advice & recommendation. It was switched over and was too late, now the breast cancer treatment is not covered. Her treatment would have been easily covered under Incomeshield if she has remained.

She is fortunate Medishield Life is in place since 1 May 2016 and so can be covered to B2 ward treatment. I have always said the government has done an excellent job to make Medishield Life compulsory.

I have always advised against switching if one has existing condition and I also believe all insurers' IP  plans are more or less covering adequately with slight  differences. Go with the insurer you trust.

I hope the insurance professionals will live up to their ethics. Earning commission is livelihood, but for such a plan is a person's future lifeline. If one cannot meet sales target annually, then just shows this job is not suitable. Seek the interest of others, as one of the ethics is.

Never compromise client's interest for self interest.