With so many different types of critical illness (CI) insurance plans, how does one go about choosing? We eventually reach a stage of life where we realise that when critical illness strikes, it doesn’t really care about your family history, how many dependents you have to support, or whether you’ve been eating clean and exercising regularly. Learning from the experience of friends around me, I soon learned that the ones with the right CI protection plans had a much easier route to recovery since they didn’t have to worry about the financial stress. But for the ones who failed to get their CI protection in time, they had to bear the costs – and as such, stopping work was no longer an option. Background In the past, settling one’s critical illness insurance was a much simpler affair – we only had to decide whether we wanted the coverage to be...