Any recommendation for Personal Accident Plan and if it is really necessary to have? (Thinking to downgrade or switch or cancel existing plan cause it’s quite costly)

I think it is important up to a certain extent which it helps to diversify personal risk

​

Hi, I think this article could be useful to you. I think you can do a review of all your existing insurance to see if your personal accident plan overlaps with any other insurance plan.

If you're a guy, may want to consider the Singlife-Mindef personal accident plan

Of course. Buy some basic cover unless you think you are superman.