facebookI'm 42 female, never bought insurance before. I'm relatively healthy, don't smoke but drinks occasionally. Any recommendations for plans? Particularly looking at critical illness but open to anything. - Seedly

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5d ago

Insurance

I'm 42 female, never bought insurance before. I'm relatively healthy, don't smoke but drinks occasionally. Any recommendations for plans? Particularly looking at critical illness but open to anything.

Discussion (5)

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Hospitalisation and Critical Illness is a must.

I recommend you to get all the basic insurance:

  1. Hospitalisation/integrated shield plan for all hospital expenses.
  2. Critical illnesses; take note of those that covers early onset/stage of CI. Some CI policies only cover late stage CI, and you want the CI policies that cover both early and late stages.
  3. Death/life insurance. Just get the term plan. I don't recommend whole life.
  4. Disability policy
  5. Income protection.
  6. Accidents policy.

Some of the policies are combined as one.

And NEVER insurance linked policies, aka ILP from insurance companies.

Best would be CI Plans that will be able to pay out multiple times....

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