Which personal accident insurance plan should I keep?

The most efficient way to do this is to have a comprehensive insurance portfolio summary. Amongst other benefit, it allows you to know what you have exactly and whether your existing insurance policies complement or overlap each other.

Once we know the actual nature of the policy, including its coverage, definition for claim, and premium, we can evaluate the best course of action - to receive maximal value at a reasonable rate of premium.

Above all, you should always have your own personal insurance coverage in addition to the ones provided by your company. This is because company insurance can change (non-guaranteed benefit), while you are the best person to assure your own standard of coverage (guaranteed benefit).

In any case, have a holistic understanding of your entire insurance portfolio before you make a decision.

More info: https://www.blog.pzl.sg/why-every-client-needs-...

Here is everything about me and what I do best.

First most important thing to ask is, do you have any pre-existing conditions that can affect your insurance coverage? This is the most important question.

If not, then you can start to look at what are the benefits you deem the most important? Because they all have different types of fringe benefits (like shield plans).

AIA covers motorcyclist. Do you ride? They also have TCM/HFM/insect bites coverage.

the rest may need more checks on the actual coverage.

Premiums should te the 2nd considerations. Value for the coverage that you need, should be the first imho.