Himm Lao
Articles on health insurance, life insurance and coverage planning, written to be read easily, without the jargon that makes people give up halfway.
Before choosing health cover there are five things worth understanding, from the benefits you already hold to the conditions people most often overlook. A few minutes of reading.
Understanding what the term covers, and the conditions worth checking beyond the annual limit.
What a waiting period is, how it affects your cover, and how to plan around it in advance.
General guidance when you have a pre-existing condition and want cover, and what to prepare in advance.
How to assess the gaps in existing benefits before adding personal cover.
Comparing what each is for and how the benefits are actually paid out.
The questions parents should ask before deciding on insurance for their children.
The documents typically needed for a claim, and the steps worth knowing in advance.
The general principle of tax deductions on life premiums. Check the current rules before relying on this.
A way to size life cover against the responsibilities and income you need to protect.
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