After graduation, I purchased a few insurance plans, but now that I have a clearer understanding of my needs and what suits me in the long run, I need to make some adjustments.
- Life plan & Term plan
Ideal life coverage: 250K - 450K
- Careshield under Great Eastern: considering
- Hospital plan
A downgrade plan for both private and public hospital that is reasonably good
Shortlisted: Great eastern
Currently using HSBC life
An affordable rider for private hospital: 5% co payment and deductible cap at 6.5K
- Accident plan for $100K coverage
Medical reimbursement: FWD $2000, Prudential $2000
FWD is good due to the ease of claiming but the TCM cap is $50 per visit....
