Can I know if my insurance premiums paid are reasonable for what i’m getting? Or could there be cheaper alternatives? Thank you!

Hi anon,

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Let me offer a difference perspective instead of looking at your situation based on price.

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Ask yourself what coverage you need first, how much, and how long you need it for.

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Definitely, you'll need an integrated shield plan. The question is whether you prefer coverage for private hospitals or are content with government hospital coverage

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Likewise, you'll need CI cover, but the question is how much you need, for how long, and whether you want to be covered for early stage CI. When it comes to CI, different people have different opinions on what scope coverage they want, and whether they want to be covered for life, this is a matter of personal preference and you might want to give some thought to that. Then you'll be able to know what type of plan may suit your needs (term or whole life)

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Based on those needs, you'll be able to see whether what you have is cost effective or not, by looking at quote across various insurers.

There are cheaper options. I'm assuming the early and advance CI is the same $250k, not a total of $500k. $1,243/year