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Multi-pay Critical Illness Insurance Plans

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Old 30-06-2020, 10:12 AM   #556
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Thanks for the quotes boredboiboi, winthony and moejoseph!

Follow-up question please: which of these plans have International coverage? Means if I go back to my home country, I can still continue to pay and be covered?

Thanks in advance.
Yep most coverage are international, but for certain nationalities there may be restrictions on purchase.

If there's a need to claim (touch wood), there will be certain procedures to follow. Can share more with u once u have decided.

Usually most common will be India, Indonesia, China, Philippines, Malaysia. All these not much issues
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Last edited by moejoseph; 30-06-2020 at 02:46 PM..
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Old 30-06-2020, 12:59 PM   #557
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Coverage are international, and which country by the way?
Philippines
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Old 30-06-2020, 01:12 PM   #558
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Philippines
No issue. =)
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Old 30-06-2020, 03:01 PM   #559
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came across a good web that provides nice comparison and quotations for the various CI plans side by side which I found it useful

can check it out too bah https://blog.policypal.com/insurance...-in-singapore/

but still considering what I shld purchase still....
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Old 30-06-2020, 03:02 PM   #560
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Oh my god, i saw that blog post too talking about how the changes are going to be affecting us in the near future due to the chnages in definition. I better make my decision soon to prevent being on the wrong side. Better warn my family memebers too
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Old 30-06-2020, 03:03 PM   #561
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came across a good web that provides nice comparison and quotations for the various CI plans side by side which I found it useful

can check it out too bah https://blog.policypal.com/insurance...-in-singapore/

but still considering what I shld purchase still....
We can share with u. What plans you are considering to make decision?
And i just read the link. With TM multicare being the best affordable plan? So obvious thats a bias comparison, TM multicare is the most expensive across all ci plans.

Last edited by boredboiboi; 30-06-2020 at 03:07 PM..
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Old 30-06-2020, 03:06 PM   #562
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came across a good web that provides nice comparison and quotations for the various CI plans side by side which I found it useful

can check it out too bah https://blog.policypal.com/insurance...-in-singapore/

but still considering what I shld purchase still....
Which one are u considering?
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Old 30-06-2020, 03:17 PM   #563
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Oh my god, i saw that blog post too talking about how the changes are going to be affecting us in the near future due to the chnages in definition. I better make my decision soon to prevent being on the wrong side. Better warn my family memebers too
You can read more on the changes here:

https://www.lia.org.sg/media/2161/mu...4-and-2019.pdf

Make an informed decision as to if your current coverage is sufficient
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Old 30-06-2020, 07:32 PM   #564
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Which one are u considering?
erm im looking at Aviva MyMultiPay Critical Illness cos can claim multiple times +++ no need to pay more premier in case suay suay kenna the illness

u lehh?
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Old 30-06-2020, 07:47 PM   #565
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erm im looking at Aviva MyMultiPay Critical Illness cos can claim multiple times +++ no need to pay more premier in case suay suay kenna the illness

u lehh?
Multipay got TM, manulife , AIA and AXA too.

No need pay premium can add on waiver. Different multipay have different features. And aviva premium waiver is on severe stage ci only, which also means if claim this, as good as cannot claim anymore eci.

TM and aviva is split into pots, means if u claim eci from pot 1, u can only claim the next eci in pot 2 and 3. And each pot got quite a number of conditions.

While axa and manulife is base on individual conditions, means if got 50 conditions, u can claim 1 , u still can claim the other 49. Each got its pro and cons.

Last edited by boredboiboi; 30-06-2020 at 08:24 PM..
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Old 30-06-2020, 07:50 PM   #566
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erm im looking at Aviva MyMultiPay Critical Illness cos can claim multiple times +++ no need to pay more premier in case suay suay kenna the illness

u lehh?
For multipay, sadly u will still need to continue paying premium after a claim is made, in order to claim again the next time. One way will be to add on premium waiver

Another way will be to create own pots of ECI & CI with different insurers
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Old 30-06-2020, 07:56 PM   #567
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For multipay, sadly u will still need to continue paying premium after a claim is made, in order to claim again the next time. One way will be to add on premium waiver

Another way will be to create own pots of ECI & CI with different insurers
Aviva premium waiver is embedded. Not an extra rider
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Old 30-06-2020, 09:27 PM   #568
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after glancing through the thread, i notice not many has mentioned about ntuc income critical illness plan?

comparing that with aviva multipay plan III, any insights?
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Old 30-06-2020, 09:56 PM   #569
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after glancing through the thread, i notice not many has mentioned about ntuc income critical illness plan?

comparing that with aviva multipay plan III, any insights?
What plan do you mean? Ntuc does not have multipay ci plan.
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Old 30-06-2020, 10:50 PM   #570
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ohh ok. let me rephrase: why nobody talk about ntuc income critical care insurance?
others are better?


What plan do you mean? Ntuc does not have multipay ci plan.
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