How important is getting personal accident insurance for a fresh grad trainee?

Personal accident insurance is important, regardless of whether you are a fresh graduate or retiree. The main purpose is to protect against loss of bodily function in event of an accident, which your whole life, term, shield plan will not cover, and not payout a lump sum cash in such an event. And since the premium is really cheap (like $100/year for $100k coverage), why not?

The most important coverage a fresh grad should get should always be hospitalisation and personal accident. Regardless of what industry you're in, personal accident is one of the main coverages you should get. It's not only low cost but it also covers you in case you get any kind of accidents. As you know life is unpredictable and I saw before a case where I had a friend who works in a bistro and suffered a major cut where she had to end up in the hospital to get a couple of stitches but didn't have any Personal Accident coverage to cover that bill. Do feel free to contact me at 96792473 to discuss this further 😄