Asked on 17 Aug 2020
It is not necessary for you to stick to the same insurer. Ultimately, the product offered has to meet your objectives and budget, whether it's from the same insurer or not.
There are many plans out there that are highly competitive too, in terms of the number of claims you can make, the number of CIs that are covered as well as the premium waiver conditions. You will also have to consider if there are any caveats in your claims in terms of the CI stages etc. There are CI plans even cover pre-early conditions eg. AIA Power Critical Cover.
In case you're wondering how much total CI coverage you should opt for, a sufficient coverage will be 5X your annual income to help you tide through financially in case you're sick due to a CI occurrence.
Do chat with a licensed financial advisor to explore your options. Take care!
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