How much is enough for insurance coverage whereby he/she income is around $2.9k after CPF deduction?

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Hi anon,

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You make around $45K/yr and so would probably need around $200K CI cover. You have $72K from Vivolife and $30K from Vivo Care, and another $150K from Prulife for $252K CI cover of which around $90K is early CI. I wouldn't say you're over insured as your expenses will probably rise over time and getting CI cover earlier is better than later, based on your expected needs. You either pay more later or can't even get it due ot health. So keep your life plans.

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For death/TPD/PA, the MINDEF policies are decent for cheap coverage but always remember that they are group policies so there are inherent disadvantages compared to individual policies; at some point an individual policy might suit you better.

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Shied plan wise, having private hospital coverage with a rider is about as good as it gets, so keep your current arrrangement; note that AIA changed to claims based pricing so just be aware of that.

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You didn't include premiums so I hope you are not paying more than 10% of your income for your coverage, I worry a little because the premiums on plans for 15 years coverage is quite high, but you do pay lesser in total as you pay it off earlier.

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I presume you are not 30 yet, but if you are or when you reach 30, please upgrade your long term care coverage.