My consideration with regard to my previous questions:
1. For Avivia, there is a deductable component that you need to pay attention to. For small hospital bill, for example $1k, you may have to foot 100% of the hospital bill instead of 10% that you think. Is better that you check out the facts now rather than crying over spilled milk.
2. Medical insurance is the best gift that parents can offer to their children. My advisor asked me how would I feel if Aviva not to accept my children's medical insurance application after the free period is over?
Just because my children made claims during the free coverage period Aviva may classified under pre-existing as a reason not to accept or the underwriting is not favorable to us?
With much thoughts, my husband decided to pay slightly more for our children's well-being by choosing another company's medical insurance.
p.s. Suggest that you work your sum with another advisor for a second opinion so that there is no bias. Some good advisors are willing to help with no obligation and consultation fee.