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Anonymous

18 Apr 2019

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Do we need early critical illness / critical illness insurance?

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Jean

02 Mar 2019

Hello!

I do believe that we need CI coverage on top of hospital plan because, should you stop working, your income will drop while your expenses will undeniably rise (not referring to treatment expenses).

These are just some considerations:
In order to recover, how long will you stop working for?
Who is going to fund for these expenses? Savings? Family?
Will the quality of your lifestyle drop because you have insufficient funds?

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Is it worth to take up a whole life insurance (with early CI) when i am at 40 years old now? Most policies will need me to contribute until 60 years. What other options to cover my critical illness (including early detection)? Thanks.

Understand the premium is quite steep for critical illness insurance that covers early to late-stage critical illness. Any merits for getting these types of insurance? If not, any alternatives?

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