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How will you balance private insurance premiums with CPF commitments when planning for healthcare, retirement, and dependants’ protection?

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I don't have cpf commitment other than the ones required by law. I bought private insurance for hospitalisation, disability, CI, life insurance, income protection, accident plans. They cover things beyond basic CPF coverage.

I'll make sure my CPF covers the essentials first, then only pay for private insurance that gives me real value and fits my budget, so I can stay protected without overstretching my finances.

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