costumed busty asian teen banging pov.sex xxx

Don't let an illness get between you and your family

Getting a lifetime of health assurance is as easy as keeping you and your family protected against death, disability, critical illness, and early critical illness conditions.

Let this ultimate guide for critical illness (2023 edition) share all about insurance and critical illness plans that cost you less than a daily coffee!

Critical Illness Fact #1

Only 20% of Singaporeans have critical illness coverage that meets the Life Insurance Association (LIA) Singapore’s recommended level of 3.9 times of annual income.

Source: Life Insurance Association Singapore (LIA)

How much critical illness coverage do you really need?

A follow-up study in 2017 by the Singapore Life Insurance Association (LIA) reveals that an average adult needs S$316,000 of critical illness coverage but the average working adult here only has critical illness coverage of just S$60,000.


The general guideline by LIA recommends critical illness coverage of 3.9 times your annual income. Hence if you earn S$70,000, you should ideally have critical illness coverage of S$273,000.

On top of that, a recurring illness can cost upwards of $200,000 yearly and over 80% of those that contracted a critical illness regretted not having more coverage.

Do you have sufficient insurance coverage, especially in the event of a late stage or multiple occurrences of critical illness?

Critical Illness Fact #2

The average recovery period for a CI or until the insured person can return to work, is five years.

Source: Life Insurance Association Singapore (LIA)

But you already have a hospitalisation plan

By default, your MediShield Life can provide sufficient coverage in case of a medical condition or emergency requiring hospitalisation. 

This may include surgical and other related expenses such as daily ward charges, doctor’s fees, and pre and post-hospitalisation charges up to a specific time frame.

With an upgrade to an Integrated Shield Plan (ISP) and associated rider, treatment in a government ward B and above or even private hospital ward A should not break the bank.

However, your MediShield Life or ISP is not designed to deal with the long-term cost and expenses in the event of a catastrophic or prolonged life-threatening illness.

The average recovery period for a CI or until the insured person can return to work is five years (Life Insurance Association of Singapore). This is where your critical illness plans or coverage ensures that you have sufficient financial support until you are fully recovered.

Fact Or Friction? #1

7 in 10 (72%) Singaporeans think that critical illness plans are expensive.

Source: Financial preparedness for critical illness ( 2021 AXA Survey by NeilsenIQ)

Surveys on Singaporean’s knowledge when it comes to insurance and critical illness planning have uncovered gaps in shortfall, lack of information and misconception.

These survey findings have been mostly conducted via The Nielsen Company (an S&P 500 company), YouGov and other independent third-party info providers.

You do not have to fully address your insurance and critical illness shortfall in a single plan if you have budget constraints.

However, seek advice from a qualified financial advisor to ensure your next insurance plan provides the best match based on these:

  •  Do you foresee any additional financial commitment where your ability to provide financial resources is a must (a newborn, getting a house, getting married, etc)?
  • Will the insurance and critical illness coverage you need at this point in time, decreases over time (Retired, kids are self-sufficient, end of your mortgage or other financial commitment)?
  • If you expect the insurance and/ or critical illness policy to accumulate cash value over time, what type of returns are you looking for (Mirror the stock market, slow and steady growth or a guaranteed principal return)?
  • At which policy year will the insurance and/ or critical plan achieve your expected returns (does it fits your long-term plans)?
  • What are the opportunity costs that you would have gained or lost should you take up an alternative type of plan?
  • If you are unable to pay your premium (due to a serious illness, retrenchment or other reasons), will this insurance plan pays with accumulated cash value or get terminated?

Your financial advisor should also factor in the following:

  • Existing policies (Any overlap of coverage, maximum limits, etc)
  • Cash flow (Expected disruptions or major events)
  • Assets and liability (Shorter premium term, or paying off liabilities due to incurred interest)
  • Future financial expectations and goals (Flexibility on withdrawal, your investment risk profile, etc)

Note: The above is not a comprehensive list and a qualified advisor must address your personal needs.

Moving on, what type of policies should you consider for your insurance and/ or critical illness need?

Insurance and critical illness: Which plans provides the best coverage?

In Singapore, there are four main categories of insurance plans structured to provide coverage in the event of an illness. Each type of insurance plan in four categories carry features such as high levelled coverage, age-specific coverage multiplier, long-term cash value, investment elements or pre and post-hospitalisation coverage. No single plan may likely fulfil your entire insurance and critical coverage needs at the lowest cost. Understand how to combine and select the insurance plans that work best for you and your loved ones.

Term life plan


Term insurance plans are generally designed to provide a high level of death and Terminal illness. Additional protection needs for multi-pay critical illness, early critical illness, critical illness, disability and more can be added based on your insurance needs.

Term Plan Analysis



While the yearly premium cost is lower compared to other options, a term life insurance plan can cost way more if the coverage is taken for a lifetime, or to age 100. Hence, term protection is using purchase to cover to a specific age, the end of a financial commitment or until the financial independency of a spouse or close one. There is no cash value upon the policy expiry or termination of the insurance plan. Get to know how a term insurance plan can cover the gap in your insurance shortfall or be a foundation for your family critical illness coverage.

Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data

  • link 1
  • link 2

Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data

Quote for term life plan!

Whole life plan


While the death and terminal illness coverage of a whole life plan is significantly lower than a term life plan, the same cannot be said for critical and early critical illness coverage. Most whole life plan allows for a age specific insurance coverage multiper (ie: to age 65, 70 or 75), provided very high critical illness coverage when it is need the most.

Whole Life Plan Analysis



Over a longer period of time, a whole life plan builds up a guaranteed cash value that will only increases at the policy ages. Build up a steady cash value in the insurance portfolio while getting covered for all your insurance needs all in a single plan.

Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data

  • link 1
  • link 2

Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data

Quote for whole life plan!

Investment linked plan


As the saying goes; it is about time in the market and not timing the market. Any form of investment involves vary degree of risk. An investment link insurance plan work by having the premium you pay going to a portfolio of unit trust funds, and deducting a yearly cost for providing insurance coverage to you.

Investment Linked Plan Analysis



This category of insurance plan allows very high insurance and critical illness coverage for your financial liabilities and life commitments needs with potential long term investment returns. The scopes and features like converting your investment link plan to a no coverage plan or regaluar dividend payout portfolio will not be discussed here to reduce content length. Refer to the following for in-depth about investment linked policy:

  • link 1
  • link 2

You can switch your investment-linked policy to an investment-focused portfolio for higher potential capital growth. Alternatively, opt to switch to an income portfolio to enjoy a regular dividend payout.

Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data

  • link 1
  • link 2

Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data

Quote for investment link plan!

Hospitalisation Plan


Getting treatment is the number one priority in the event of a critical illness. While a shield has no cash value and no lump sum payout, you can depend on a hospitalisation plan to cover you for the best treatment upon the detection of an illness. Premiums payable are relatively low and increases with age. Generally you can sign up or upgrade or downgrade your MediShield Life if there is no existing medication condition. However only a downgrade from a higher tier plan is available should yu have a medical condition.

Hospitalisation Plan Analysis



Upgrade your MediShield Life to be eligible for private hospital ward A, government ward B and above entitlement. Further enhance your hospitalisation coverage to cover up to 95% of your hostpitalision plan when you add on a rider to your integrated shield plan.

Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data

  • link 1
  • link 2

Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data Lorem ipsum site amet testing data

Upgrade your hospitalisation plan

Frequently asked questions:

“He told me: ‘If you can’t f–king speak English — if you can’t understand English — then why would you even work in this industry?'” said Jaymaylin, who is now the chairperson of Anakbayan Toronto, a Filipino youth organization.

Advocates say the kind of aggression Jaymalin faced is not only common for Asian people, many of whom have been working in public-facing and precarious jobs throughout the pandemic, it can escalate into violence. They’ve been ringing the alarm since attacks on Asians began after the first known COVID-19 cases were discovered in China, and when six Asian women were killed in a series of shootings in the Atlanta area last year.

say the kind of aggression Jaymalin faced is not only common for Asian people, many of whom

have been working in public-facing and precarious jobs throughout the pandemic, it can escalate into vio

in this industry?'” said Jaymaylin, who is now the chairperson of Anakbayan Toronto, a Filipino youth organization.

Advocates say the kind of aggression Jaymalin faced is not only common for Asian people, many of whom have been working in public-facing and

Speak to us to learn more about

Comprehensive coverage

Getting insurance coverage for more than 150 medical conditions across all stages of critical illness.

Affordable premium

Getting affordable insurance coverage with sustainable monthly insurance premiums.

Accumulate cash value

Build up a steady cash value in your insurance plans that grows, while you stay protected.

Useful Tools and Information

Check out these quick links for more about planning for your insurance and critical illness coverage needs!

Similar products

www.dirtyhunter.tube nude men chase has been waiting a long time for a opportunity to.
Need help?
close slider

Need help?