Please help assess my insurance coverage.

[Xiaosa1]

Hi All insurance experts,

Please assess my current insurance coverage and comment:

2 Prudential Limited Life Policies: Insured 200k. Exclusions: TPD
1 AIA Complete Critical Care: Insured 100k
1 Personal Accident Policy : 50k
AIA Healthshield Gold

I have a pre existing condition. High fever in youth resulting in slight walking issues. I got rejected from AXA, Manulife, Aviva and ntuc for term policies..

 

[kebinu]

Look at GE Critical Care advantage coz from what I see, premium, sum assured, waiting period, survival period and payout, almost everything is better.