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Anonymous
Was contacted about this today. Did some research https://insurance.americanexpress.com.sg/files/... it's a sickness and accidental injury plan. Firstly, is accident and sickness insurance recommended for young working adults? Secondly, what do you all think about this plan specifically?
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Loh Tat Tian
07 Feb 2019
Founder at PolicyWoke (We Buy Insurance Policies)
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To be true to its name, its basically a daily hospital cash plan for days that you are hospitalised (be it from accident, sickness, etc).
Its underwritten by chubb. For this kind of insurance, it depends on whether you think you require it.
The more generic ones are the ISP (integrated shield plans), which have a daily hospital benefit provided you bought private shield plan with rider and stay in a public hospital A ward instead.