I'm not an insurance person cos i thought such things wouldnt happened to me.. not till years back when SJ was admitted to hospital and witnessed how the hospital bill sucked dry my bro 15 years of medisave. Since then i bought my first insurance for hospitalisation. Then after the car accident, hus got me an accident insurance and critiea illness for me from his friend's friend from P. And on my 2nd accident when i hurt my eye, im covered and managed to claims all the bill from eye specalist. Immediately after janelle born we bought her hospitalisation insurance. And Thank God all her hospitalisation bill are being cover since her first fits till now. Even now we wanted to get more for Janelle, we cant due to her medicial consider. But at least she is covered with minimum.
Couple weks ago, we first meet up with one of our chruch mate who is the director of a independant financial firm.. he shared that he is the million table board etc etc.. that almost bored me out. Yesterday we met up with him again, he revised all plans i have and did a revamp on almost all policies i having to have a greater coverage and same amount of premium im paying now. He did shared that cos our friend are represent the insurance co, so what he can offer is what the best his co can offered but not what is the best in market. Unless i have the time and knowledge to compare one by one, to decide which to take up. And with the market movement, more better plans are coming up to catch hold of policy holder.. So once a while, still need to revised whats on hand works for u anot? When it comes to financial planning, i leave it to my hus and expert in this area to work out what's the best they can offer for me.
Are you an insurance person? My advice get it when when u can. If revision needed, talk to you planners soon before its too late.
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