CI insurance?

[winthony]

Hi, I have been wondering on what I should consider for. I have money to purchase 1 extra insurance. Either CI or health but like i keeep on reading that CI is going to change and like I should focus on getting CI first. https://blog.policypal.com/insuranc...-dilemma-do-i-need-critical-illness-coverage/

But then like, my family does not have a history of CI. And like i feel health will be able to cover more. Is there any health policies out there which also cover CI?

I assumed by health you are talking about hospitalisation products?

If you have to choose between getting CI or getting hospitalisation ISP, please go for the hospitalisation instead! That should be your top priority to manage your hospital bills.

Well, a hospitalisation policy will not pay you a large sum of cash when diagnosed as compared to a CI policy so "cover more" is subjective. In a long run if lets say you really claim alot of hospitalisation bill then maybe it will surpass the amount of payout you have on CI

 

[Blacklist]

Hi, I have been wondering on what I should consider for. I have money to purchase 1 extra insurance. Either CI or health but like i keeep on reading that CI is going to change and like I should focus on getting CI first. https://blog.policypal.com/insuranc...-dilemma-do-i-need-critical-illness-coverage/

But then like, my family does not have a history of CI. And like i feel health will be able to cover more. Is there any health policies out there which also cover CI?

By health, are you referring to the hospitalisation plan? A hospitalisation plan and a ci plan serves 2 different purposes: one is to reimburse you the hospital bill and the other pays a lump sum to replace the income lost so you can take a long no pay leave and focus on recovery. You might think you only have enough budget to get just 1 more plan, but do sit with a professional to work thru your budget and expenses. The plans may not be that expensive as you think, or you may have more budget than you expect.