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Insurance | Loan Singapore Directory


It is vital to have the right policy for protecting those things that are of importance to you, be it your family vacation or car. However, with the numerous different insurance plans available, it may be difficult to know ways of finding the right plan for you.

Therefore, if you wish to look to purchase an insurance policy for you as a first timer or reviewing your insurance policies for this year, below are some key points to watch out for while selecting a term policy.

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How Long You Are Covered For

Although it is crucial for health policy to cover the expensive hospitalization costs, often the pre- and post-hospitalization costs that might eventually cost more than the amount of a surgery. The reason for this is since major illnesses such as cancer, stroke, heart attacks, and major accidents, will often take some months to recuperate from.

When you hold an existing policy, finding out if it may continue into retirement is important. When it can, consider if it is cost-efficient for your personal situation. When your health has become better since taking out the policy, it’s possible to have your company change the premium. Alternatively, you can get a new policy entirely.

The Better Insurance Type For You

When considering to get a life insurance the first step is deciding if you truly need it. For someone with parents, children or other people who depend on your income, then a life policy is important for ensuring they will live well when you are not around. For those who have no dependents, it will not be as important.

Affordable Premiums

Let the present premium rates be a guide, however, realise that the Policy premiums have been on the increase every few years. It then means that the premium you will be required to pay ten to twenty years in the future is likely to be a lot higher than those rates published now. At present, in Singapore, the life expectancy for men is 81 and 85 years for women.

Whether to Buy A Rider

This can fully cover you for each hospital treatment without requiring that you pay for the co-payment and deductibles.

To start with, riders are costly, so consider whether you afford them, in addition to your policy premiums, throughout your life. Something else to consider is that historically, individuals who have full covers tend to pay more for their treatments, at times including some things that they actually do not require – just because it comes free.

Likewise, some doctors will charge higher interests when the patients do not have to pay their own bills. Therefore, while riders will give you some peace of mind being aware that your whole health bill will be catered for, it increases consumption. Because of this, both the rider costs and premiums will increase much faster than the general health care inflation.

Of course, sufficient insurance coverage comes at a price. With an unlimited budget, everyone will prefer to get the top-quality and most comprehensive insurance coverage available. But, we have to alter our wants and needs based on our working budget.