Hi Mr. Tan
I currently have SAFRA Essential Term (http://www.income.com.sg/insurance/safraterm/ ) and SAFRA Living Care ( http://www.income.com.sg/insurance/safracare/ ) policies.
Effectively, the two policies cover Death, TPD, the 30 major CI, and hospitalization.
In addition, as a employee of my company, I am covered for basic medical expenses incurred for seeing a doctor.
I have an agent from NTUC trying to sell me personal accident insurance. In your opinion, is there any further benefit to me for taking this up?
REPLY
A personal accident policy is low cost and is useful to supplement the cover under your life policies. If the total sum assured under your life policies is not adequate, you can buy a personal accident policy to supplement the coverage. The annual premium to cover $100,000 should be less than $80 for most occupations.
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