Insurance planning services
Cover planned around real life
Every type of cover below starts from the same question: what do you already have, and what is still missing? Himm helps you answer it.
01 · Health
AIA health insurance
Planning for medical expenses in a way that fits the benefits you already hold, whether that is employer cover or social security. We also look at whether the premium is sustainable long term, and at key conditions such as waiting periods and policy exclusions.
People without personal health cover, or with employer benefits that may not cover the full cost of treatment.
Is the annual limit enough for the hospitals you actually use? Which conditions carry a waiting period? How will the premium change as you age?
The benefits you hold today, if any, and a rough premium budget you can comfortably manage.
02 · Life
AIA life insurance
Built to protect the income and responsibilities your family relies on: outstanding debts, the cost of the people you support, or long-term financial goals you have not reached yet.
Main earners, business owners, and anyone carrying long-term debt.
If something happened, how many years of expenses could your family cover? How much debt would need handling?
How many people depend on you, roughly how much debt you carry, and the financial goals you want protected.
03 · Child
Child insurance
Health protection for children from an early age, planned alongside longer-term goals such as education costs.
Parents who want to start planning protection and savings for their children early.
Do you want to focus on health cover, savings, or both? How many years are you planning across?
Your child's age, the savings or protection goal you have in mind, and a budget that works long term.
04 · Critical
Critical illness insurance
Pays a lump sum on diagnosis of a covered condition under the policy terms, which helps absorb the financial impact of treatment and of income that may stop during recovery.
Working people whose income depends on them, or those with a family history of serious illness.
If you stopped working for months of treatment, would savings cover the gap? Does the benefit cover the conditions you worry about?
General family health background, with no detailed medical records needed, and roughly your monthly income.
05 · Savings
Savings insurance
Combines a disciplined savings habit with life protection, suited to financial goals with a clear timeframe such as education funding or a future lump sum.
People with a long-term financial goal who want the discipline of a fixed savings schedule.
In how many years do you want the lump sum? Can you realistically keep saving for the whole term?
The savings goal, the timeframe you want, and the amount you can set aside consistently each month.
06 · Retirement
Retirement insurance
Planning post-retirement income around the lifestyle you want, considering both long-term affordability and the protection you still need.
Working people starting to plan retirement income, or topping up an existing fund.
What monthly income do you want after retiring, and how many years do you have to plan across?
Your current age, your planned retirement age, and any retirement savings or benefits you already hold.
How a consultation works
- 1
Share your goals and concerns
- 2
Review your existing cover
- 3
Assess the budget
- 4
Look at suitable options
- 5
Decide when you're ready
- 6
Support after the policy starts
Questions about working together
Not sure where to start?
Tell Himm what is on your mind, and we will sort out the questions and make the options clearer.
