Insurance

Protect What Matters. Prepare for Life's Uncertainties.

Financial planning is not only about accumulating wealth. It is also about protecting individuals and families from financial difficulties caused by unexpected events.

Insurance provides financial protection against specified risks under the terms and conditions of an insurance policy.

An appropriate insurance arrangement can help families manage certain financial consequences of illness, accidents, disability, death or damage to insured assets.

Understanding Insurance Solutions

Life Insurance

Life insurance provides a financial benefit to designated beneficiaries when a covered event occurs, subject to the policy's terms.

Term insurance is designed primarily to provide life cover for a specified period. Other life insurance products may combine protection with savings or investment features.

Health Insurance

Health insurance helps manage eligible medical expenses arising from covered illnesses, injuries and hospitalisation.

Depending on the policy, benefits may include hospitalisation expenses, day-care procedures, pre- and post-hospitalisation expenses, and other specified healthcare costs.

Personal Accident Insurance

Personal accident policies provide defined benefits for covered accidental death or disability events, subject to exclusions and policy conditions.

General Insurance

General insurance includes products such as motor, home, travel and other forms of non-life insurance designed to protect against specified financial risks.

Important Factors When Evaluating Insurance

Insurance policies should be evaluated on more than premium cost alone.

Important considerations include coverage amount, waiting periods, exclusions, deductibles, co-payments, claim conditions, renewal