Free Guide
A step-by-step checklist to ensure your family survives 60 months without income if a health crisis hits, and shield your savings from rising hospital bills.
A simple calculation to figure out exactly how much critical illness cover you need to survive 5 years of recovery without draining your life savings.
How to audit your Integrated Shield Plan and rider to ensure you pay $0 out of pocket for major surgeries and treatments.
Why relying solely on company insurance is a dangerous risk, and how to set up a portable safety net staying with you.
How to get maximum coverage for a fraction of the cost, leaving more capital free for investments.
Verify if your current policies have hidden limits, exclusions, or overlap costing you extra cash for no benefit.
Corporate insurance is tied to your employment. If you leave, get retrenched, or retire, you lose the coverage. Furthermore, corporate limits are often capped at $50,000–$100,000, which are easily wiped out by a single major surgery. It is critical to have a personal Integrated Shield Plan belonging to you.
It takes an average of 5 years (60 months) to recover from a critical illness. If you are unable to work during this period, your family still needs to cover living expenses, mortgage, and school fees. Your critical illness coverage should equal 5 years of your annual income to buy you recovery time without financial stress.
A public hospital plan is highly cost-effective, but private hospital plans offer faster admission times and your choice of specialist. If speed and choosing your doctor are important to you, go with private. If you are budget-conscious, a Class A public hospital plan is a great balance.
Term insurance is best for high coverage at a low cost during your working years (e.g., until your children grow up and your mortgage is paid off). Whole life insurance is suitable if you want permanent coverage and estate planning/legacy benefits. For 90% of working adults, term insurance is the most capital-efficient choice.
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Satisfaction & Time GuaranteedThis guide is for general educational purposes only and does not constitute personalised financial advice. All figures, percentages, and projections are for illustrative purposes and based on publicly available data. Past performance is not indicative of future results. Please consult a qualified adviser before making financial decisions.