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Anonymous

18 Apr 2019

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What is the difference between Aviva's Living Care Plus and Prudential's PRUearly Stage Crisis Cover?

Early critical illness

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Hariz Arthur Maloy

01 Apr 2019

Independent Financial Advisor at Promiseland Independent

Firstly, the Aviva living care plus is from the MINDEF group term policy. It's not a private policy.

The living care plus only covers 10 early Critical illness conditions. It's non comprehensive and premium increases with age band.

Getting a private ECI cover that covers 90-120 conditions is wayyyy better and premiums stay level.

The Prudential one you mentioned is one of them. But if you'd like a comparison between other insurers as well, I can provide that.

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For guys who are planning to use Aviva SAF term plan with Living care and Living care plus coverage as your core insurance portfolio, how are you guys planning to address the exponential rising cost?

Is it true that even if you have early living care plus from SAF term plan, if you are diagnosed with late stage cancer, you wont be paid early CI coverage?

Is Aviva's Living Care (and/or Plus) sufficient for CI coverage for a recent graduate stepping into the workforce? How about whole life insurance?

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