11 Sep '11, 3pm

Critical Illness Coverage Review

After a discussion with a fellow blogger about Critical Illness (CI) coverage, I started to notice that many people (financial advisers included, though I am not sure if it is a genuine misunderstanding or deliberate misrepresentation), have a misconception about the 3 main types of CI coverage CLAIMs. All 3 types have the same coverage, i.e. they cover the 30 types of CI whose definition has been standardized by the Life Insurance Association (LIA) of Singapore. It must be certified by a medical professional that it falls within the contractual definition. BUT the difference is in the claim amount paid out upon diagnosis. First type of claim is CI waiver. If diagnosed with CI, the claim will be to waive the premiums of the plan. If the plan is for a death coverage sum assured of $100k and premium monthly is $50, it means that you do not need … Read the full article → Rela...

Full article: http://thefinance.sg/2011/09/11/critical-illness-coverage...

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