Just concluded a claim for a female policyholder suffering from advance stage lung cancer, unrelated to smoking. Age 49, a long time client with a Living Policy signed 18 years ago. Sum assured may not be huge but it come at a time when a need arises, and with comfort.

Her treatment is mostly paid for by the IncomeShield she had, but without the Rider, which many chose not to have and some will have it included in their plan. But as long as one has the main IncomeShield Plan, a safety net is provided in time of need like this.

Another client age 41, had an IncomeShield Plan Basic with the Plus Rider that covers her 100% for B1 ward treatment which has helped her in her treatment, but this policyholder is in advance stage throat cancer. She has decided to seek treatment in advance stage at private hospital which covers up to 50% with the Plan Basic that she has.

There are many similar stories, and the pain and feelings for them during such time is not good, especially that latter one has a set of aged parents with her.

Same advice I would give, plan for appropriate coverage, hospitalisation medication plan and a life plan covering critical illness as a base with other plans to cater to needs of family.

Savings plan can come later when basic needs are taken care of.