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Old 14-06-2017, 01:16 AM   #2731
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Hi - looking at aviva multipay which is include cover for eci and ci
My understanding is it is premium is fixed till the expiry date odeoending on how long you signed?

Intending to take up as standalone plan as I have coverage for all others from other insurers.

Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?

Male, ANB 32, Non smoker
Looking at quotes for 70,75,80 for amount 100k,150k and 200k
Hi bro, premium of Multipay is level but non-guaranteed. Premiums may be adjusted based on future claims experience. And yes, premium cost is based on your policy term.

"Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?"

There isn't a straight forward answer as we ain't comparing apple to apple here.

Multipay is a plan that could pay you up to 5x sum assured.
100% payout for each CI diagnosed at its early stage, up to 2 ECIs.
3x of Sum Assured upon diagnosis of CI at severe stage, less claims already paid.
Pays a further up to 2x Sum Assured as Rediagnosed Cancer Benefit.
There are also other misc. benefits which I would omit from the picture for now.

You'd need to determine how much risk you're exposed to in order to work out a reasonable sum assured to leverage on.


$100k SA to age 65 - $962/yr
$100k SA to age 70 - $1215/yr
$100k SA to age 75 - $1565/yr
$100k SA to age 80 - $1916/yr

$200k SA to age 65 - $1924/yr
$200k SA to age 70 - $2430/yr
$200k SA to age 75 - $3130/yr
$200k SA to age 75 - $3832/yr
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Last edited by Bigoya; 14-06-2017 at 01:27 AM..
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Old 14-06-2017, 07:04 AM   #2732
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Can i get a quote

500k death 250k accelerated CI till age 65

Age 26

And which company
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Old 14-06-2017, 09:15 AM   #2733
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Hi - looking at aviva multipay which is include cover for eci and ci
My understanding is it is premium is fixed till the expiry date odeoending on how long you signed?

Intending to take up as standalone plan as I have coverage for all others from other insurers.

Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?

Male, ANB 32, Non smoker
Looking at quotes for 70,75,80 for amount 100k,150k and 200k
Hi bro, premium of Multipay is level but non-guaranteed. Premiums may be adjusted based on future claims experience. And yes, premium cost is based on your policy term.

"Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?"

There isn't a straight forward answer as we ain't comparing apple to apple here.

Multipay is a plan that could pay you up to 5x sum assured.
100% payout for each CI diagnosed at its early stage, up to 2 ECIs.
3x of Sum Assured upon diagnosis of CI at severe stage, less claims already paid.
Pays a further up to 2x Sum Assured as Rediagnosed Cancer Benefit.
There are also other misc. benefits which I would omit from the picture for now.

You'd need to determine how much risk you're exposed to in order to work out a reasonable sum assured to leverage on.


$100k SA to age 65 - $962/yr
$100k SA to age 70 - $1215/yr
$100k SA to age 75 - $1565/yr
$100k SA to age 80 - $1916/yr

$200k SA to age 65 - $1924/yr
$200k SA to age 70 - $2430/yr
$200k SA to age 75 - $3130/yr
$200k SA to age 75 - $3832/yr
To add on,

$150k SA
To age 65: $1,443/year.
To age 70: $1,822.50/year.
To age 75: $2,347.50/year.
To age 80: $2,874/year.

Can i get a quote

500k death 250k accelerated CI till age 65

Age 26

And which company
Assuming you are Male, and ANB 27, Non-smoker,

$500k death/tpd, $250k Accelerated CI
Till age 65: $863.50/year.
Aviva MyProtector Term Plan.
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Old 14-06-2017, 11:01 AM   #2734
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Can i get a quote

250k death/tpd/CI with additional 250k death/tpd (total coverage for death/tpd is 500k) till age 65

ANB 29 Male Non Smoker
ANB 27 Female Non Smoker

And which company
Any riders I can look out for which might benefit? no need accident.

Thank You
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Old 14-06-2017, 11:07 AM   #2735
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Can i get a quote

250k death/tpd/CI with additional 250k death/tpd (total coverage for death/tpd is 500k) till age 65

ANB 29 Male Non Smoker
ANB 27 Female Non Smoker

And which company
Any riders I can look out for which might benefit? no need accident.

Thank You
Hi,

For Male, ANB 29, Non-Smoker,
$500k death/tpd with $250k Accelerated CI
Till age 65: $919.40/year.

For Female, ANB 27, Non-Smoker,
$500k death/tpd with $250k Accelerated CI
Till age 65: $760.35/year.

Quote from Aviva - MyProtectorTermPlan
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Old 14-06-2017, 12:46 PM   #2736
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Can i get a quote

250k death/tpd/CI with additional 250k death/tpd (total coverage for death/tpd is 500k) till age 65

ANB 29 Male Non Smoker
ANB 27 Female Non Smoker

And which company
Any riders I can look out for which might benefit? no need accident.

Thank You
always good to add in CI waiver in any insurance plans.
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Old 14-06-2017, 03:21 PM   #2737
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always good to add in CI waiver in any insurance plans.
I've compared the figures, it is nt always true esp for the case of Aviva.
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Old 14-06-2017, 11:36 PM   #2738
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Male, non smoker, next birthday 41 year old

Can I have a quote for
1) 500k death and TPD with 200k critical illness till 65 yr old
2) 500k death and TPD with 200k early critical illness till 65 yr old ?

Many thanks!
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Old 14-06-2017, 11:48 PM   #2739
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Male, non smoker, next birthday 41 year old

Can I have a quote for
1) 500k death and TPD with 200k critical illness till 65 yr old
2) 500k death and TPD with 200k early critical illness till 65 yr old ?

Many thanks!
For your profile,

500k Death/tpd and 250k CI
Till 65: $1,796.45/year.

$500k Death/tpd and 200k Early CI
Till 65: $3,301.45/year.

$500k Death/tpd and 100k Multipay CI
Till 65: $2,220.45/year.

500k Death/tpd, 250k CI and 100k Multipay CI
Till 65: $3,099.45/year.


Multipay CI is a plan that could pay you up to 5x sum assured.
100% payout for each CI diagnosed at its early/intermediate stage, up to 2 ECIs.
3x of Sum Assured upon diagnosis of CI at severe stage, less claims already paid.
Pays a further up to 2x Sum Assured as Rediagnosed Cancer Benefit.
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Last edited by mSnooze; 14-06-2017 at 11:52 PM..
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Old 15-06-2017, 10:08 AM   #2740
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Can i get a quote

500k death 250k accelerated CI till age 65

Age 26

And which company
By 26 I take it that you mean 26 is ANB.

Annual premiums: $1097.50 by GE
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Old 15-06-2017, 10:10 AM   #2741
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Male, non smoker, next birthday 41 year old

Can I have a quote for
1) 500k death and TPD with 200k critical illness till 65 yr old
2) 500k death and TPD with 200k early critical illness till 65 yr old ?

Many thanks!
Option 1: $2012/yr
Option 2: $3782/yr

Quotes from GE.
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Old 15-06-2017, 05:25 PM   #2742
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non smoker female turning 27 in August

500k death, tpd and ci
1m death, tpd, 500k ci

level term till 75.

quotes plz thanks
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Old 15-06-2017, 05:46 PM   #2743
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non smoker female turning 27 in August

500k death, tpd and ci
1m death, tpd, 500k ci

level term till 75.

quotes plz thanks
Welcome back, TS.

500k death, tpd and ci - $1307.85/yr
1m death, tpd, 500k ci - $1617.60/yr
Alternattively, 1m death, tpd, 500k ci (till age 65) - $1373.20/yr

3 yrs liao you're still not properly covered?
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Last edited by Bigoya; 15-06-2017 at 05:53 PM..
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Old 15-06-2017, 09:44 PM   #2744
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Thanks for getting back guys. To be honest, what would be the best ECI AND CI coverage standalone plan in the market now?




Hi bro, premium of Multipay is level but non-guaranteed. Premiums may be adjusted based on future claims experience. And yes, premium cost is based on your policy term.

"Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?"

There isn't a straight forward answer as we ain't comparing apple to apple here.

Multipay is a plan that could pay you up to 5x sum assured.
100% payout for each CI diagnosed at its early stage, up to 2 ECIs.
3x of Sum Assured upon diagnosis of CI at severe stage, less claims already paid.
Pays a further up to 2x Sum Assured as Rediagnosed Cancer Benefit.
There are also other misc. benefits which I would omit from the picture for now.

You'd need to determine how much risk you're exposed to in order to work out a reasonable sum assured to leverage on.


$100k SA to age 65 - $962/yr
$100k SA to age 70 - $1215/yr
$100k SA to age 75 - $1565/yr
$100k SA to age 80 - $1916/yr

$200k SA to age 65 - $1924/yr
$200k SA to age 70 - $2430/yr
$200k SA to age 75 - $3130/yr
$200k SA to age 75 - $3832/yr
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Old 16-06-2017, 09:17 AM   #2745
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Welcome back, TS.

500k death, tpd and ci - $1307.85/yr
1m death, tpd, 500k ci - $1617.60/yr
Alternattively, 1m death, tpd, 500k ci (till age 65) - $1373.20/yr

3 yrs liao you're still not properly covered?
hey thanks. just looking for my wife.
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