Ooi Hui-Long

18 Apr 2019

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What do you think of the NTUC Income Droplet which insure against Grab's surge price?

Anyone has used NTUC Income Droplet - insure against Grab's price surge during rainy days?

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Loh Tat Tian

04 Jan 2019

Founder at PolicyWoke (We Buy Insurance Policies)

There have been cases of "wet weather" denied claim by Ntuc. So imho, no go. This insurance plan also has a cap of $10 for surge. They may also price it to earn, so unless you are a really frequent traveller and do not mind some claims being denied, I would say it's not worth the premium

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Did you purchase disability income (DI) insurance? Or do you think that only those with high-paying specialized jobs require DI insurance?

I am an undergraduate, thinking of taking over insurance for myself. I understand that the general rule of thumb for life insurance is to get a coverage of around 10-15x one's annual income. May I know the reason for this?

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