Independent Health Insurance and Comprehensive Insurance Planning Services in Singapore

Points to consider:

1. Is your Health Insurance coverage life long, renewal guaranteed and as charged?
2. Do you have overlapping policies, resulting in wastage of premium?
3. Are you suffering from some chronic condition like hypertension or diabetes? Do you know it maybe possible to still get coverage for these "pre-existing" conditions?
4. Are you buying only policy with cash value, resulting in under-insuring? Do you know which are the most cost effective term policies?
5. Have you effectively nominated your beneficiaries for all your life insurance policies?
6. Considering early stage critical illness payout policies? Are these policies really worth it's higher cost?
7. Are you effectively protected against potential loss of income, whether due to illness or accidential disability? Does your policy pay you every month until your retirement, in event that you can't work?
8. Does you insurance policy pays when you are unable to work in your CURRENT occupation, or only when you are unable to work in ALL occupation, commonly known as TPD ?

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