Hi anon, Probably a little too late, but I hope your meeting went well. Now, on the hospitalization side of things, it's almost impossible to compare apple to apple as all shield plans have distinctively different features. However, you might have a few criteria of your own that matter more to you, and you should look around to see if other shield plans meet your needs better. For Critical Illness: Based on all the numerous quotations I have generated over the years, AIA has not exactly been the cheapest solution out there, regardless of profile of my clients (looking at whole life limited payment plans). Of course, we are talking about like for like comparision first, in terms of the coverage amount, duration, etc, before we talk about the finer details like AIA having slightly more CI coverage compared to the standard definitions by LIA. The question would be, is it worth paying that extra to cover conditions out of the standard scope definied by LIA? Have you considered speaking to an independent financial advisor for an alternate perspective, especially with respect to the other options from other insurers, that are available to you?