I am 32 now and am a white collar worker. I have been holding on to a GE's AccidentalCare Plus II policy for 3 years. Is it still worthwhile holding to this policy?

Hi Anon,

I feel that a personal accident policy is something that is good to have, but not a must.

Personal accident insurance usually covers all of your outpatient expenses, such as if you go to a GP when you experience a fall, or you go to A&E but are not admitted into the hospital.

For these kind of expenses, though they may be slightly expensive, they are not going to take a significant chunk out of your savings.

Since you mentioned that you are not in a high risk job, personal accident is something that may not be a priority to have.

Also, your workplace may have some personal accident benefits, so I'd advise you to check what kinds of policies your company provides for you!