Do you think having a hospitalistation, accident and life insurance plan is sufficient? For the life insurance plan, am going to check if it comprises of CI?

for saving insurance or ssb...

lets say today if insurance can offer u 2.15% per annum for 3/5years. vs a ssb 3years at 2.28% which 1 will u choose?

i share with my client ssb is not guaranteed in terms of interest but capital guaranteed. secondly, if death occurs, insurance company offer death benefit of a % on your net capital.
most of my wise clients will pick the choice of putting their savings into insurance company.
likewise for endownment plans or retirement plans... they have insurance features to cover your savings should anything happen to you. whereas your normal Fixed deposit, ssb, your normal saving accounts dont give these type of insurance benefits.

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Hospitalisation + term life + disability income insurance should be good.