I am preparing for the upcoming operation of my mother due to her kidney stones. Since I know that it will cost a lot of money, I started saving money since December last year and her operation will be this upcoming July. I'm thinking to put the money in the bank since it was dangerous keeping it all in my wallet or be left in the house, plus the interest will be of great help.
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If you pause to consider its cheapest Standard plan, MSIG travel insurance is actually very affordable after the generous promotional discounts. The level of support and clarity MSIG provides is also reassuring and very thoughtful while there terms & conditions are clearly stated on the site and not hidden away in some remote PDF, and the claims process appears to be pleasant. However, the only cons is that MSIG has made the Standard plan very limited in comparison to the Elite and Premier Plans. Once you compare their coverage, you will definitely feel tempted to upgrade.
MSIG TravelEasy Standard / MSIG Insurance Singapore
For folks with pre-existing medical conditions like asthma or heart conditions, they can consider Sompo’s Travel Joy Deluxe plans. Sompo’s plan only covers medical evacuation however and not trip delays and cancellation as well.However, Sompo offers unlimited evacuation should make up for it. If your condition is life-threatening, unlimited evacuation is more important than being covered for a wide variety of incidents.
SOMPO TravelJoy Deluxe / Sompo Insurance Singapore
This card is a very comprehensive travel insurance plan for travel to Japan. However even when you are not travelling to Japan, Sompo has come up with a pretty good solution for those with pre-existing medical conditions, as the Sompo Travel Joy Deluxe plan is worth considering, even if you’re not travelling to Japan. Should anything happen, you can get evacuated home for free thanks to the unlimited coverage for medical evacuations. Sompo loses out however when it comes to coverage of outdoor activities.
SOMPO TravelJoy Vital / Sompo Insurance Singapore
You are covered for adventurous activities like bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing, white water rafting, diving and general snow sports like skiing and snowboarding. There is also decent golf coverage for equipment, unused green fees, and hole-in-one (that should please all the golf lovers). However, you will only get the adventure cover and golf cover for Elite and Premier plans (too bad golf lovers).
MSIG TravelEasy Standard Pre-Ex / MSIG Insurance Singapore
ERGO TravelProtect Basic allows you to enjoy superior cover for worry-free holidays or business trips at some of the most affordable prices in the market. ERGO TravelProtect Travel Insurance provides comprehensive protection for your health, baggage and bank balance so you can focus on more important things – like sightseeing, exploring and relaxing. The price is very competitive with a good coverage for the yearly Asia plan. I personally got this plan because I travel mostly within Asia a lot.
ERGO TravelProtect Basic / ERGO Insurance
Don’t bother to buy insurance from them no matter how cheap they offer it as they do not response to email claims and when one calls them for an update, one is told that it takes two months to REVIEW a claim. Well in my case one month had passed and they wrote back to me asking to prove that I travel outbound and other documents. Now my question is why they did not asked for such documents within a week of my claim submission? Please avoid this company!
HLAssurance Single Trip / HL Assurance
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There are lots of available banks that gives up to 3% interest rate to your savings but surely, there will be minimum amount that should be left in the bank. It is also good to apply a savings plan which guarantees the client that the cash deposited/saved in the bank will grow as time goes by. It will be of great help in the future when medicines are needed to be bought because the expenses will not stop after the surgery.