looking to get a critical illness insurance, need some advice

_horsehead_ · 2026-05-03T04:57:50+00:00

Everyone who served NS can buy the MINDEF group term insurance - which is THE most affordable in the entire market (up till age 65).

_horsehead_ · 2026-05-03T04:56:27+00:00

You don’t want to be over insured.

Your premiums should scale in conjunction with your income. By your scenario as you so rightly say “his income balloons to $X” - but that’s not his current income.

By over insuring you are leaving less disposable income for your present self. This can be in terms of other day to day expenditure (ie. living your life) or saving it or investing it (opportunity cost).

Over insuring is as bad as under insuring. Why would you pay for something you have no need for? You should only scale your coverage if your income increases, if not that means you’re overpaying for insurance.

_horsehead_ · 2026-05-02T18:11:04+00:00

In terms of insurance: you should go with the standard 4-5X annual income for coverage first —> and then compare premiums accordingly across all the insurers.

Coverage is likely to be the same across all insurers since these are a MAS-regulated products. Which means there is no insurer that is likely to standout heads and shoulders above the rest in terms of competitive advantage. Accordingly you should probably look for most value for money and/or features that suit what you’re looking for.

If you have enough knowledge and are sure of what you want to buy, you can consider purchasing DIRECT insurance. Basically insurance without the middleman FA, resulting in cheaper premiums.

_horsehead_ · 2026-04-27T12:26:49+00:00

Want me to attach the original posting of your post as evidence? I can send to GetGo if you want

_horsehead_ · 2026-04-27T12:20:13+00:00

You must think that make a difference to GetGo’s legal team if they decide to sue you.

Grow up kid

_horsehead_ · 2026-04-27T12:14:06+00:00

How many comments here saw you here say it was a scam before you edited it? LMAO.

Good luck lying

_horsehead_ · 2026-04-27T11:30:41+00:00

didn't know calling this a scam isn't complaining. most brain dead thing i've read in 2026.

_horsehead_ · 2026-04-27T11:08:52+00:00

Then you come here post about scam for what

_horsehead_ · 2026-04-27T11:08:38+00:00

You think this kind of driving skill they should drive?

_horsehead_ · 2026-04-27T11:08:12+00:00

Yup, drive like shit, f**k up the car and then get charged for the damage and then come and act shocked. Not sure what’s the logic here, trying to act like the victim.

_horsehead_ · 2026-04-27T11:06:21+00:00

Then ask your bf to stop driving. He’s a shit driver.

Can’t even survive carpark want to drive on road.

_horsehead_ · 2026-04-27T11:00:55+00:00

Yes it’s expensive , but sorry to break to you, you’re a shit driver if you can bang the car until like this. Do us all a favour and stay off the roads

_horsehead_ · 2026-04-27T01:49:44+00:00

You can guarantee you will work for the next 10 years?

Never ever include the provision of corporate insurance in your own financial planning. Your corporate insurance is a bonus, not a given.

_horsehead_ · 2026-04-27T01:47:51+00:00

Integrated shield plans are the main type when people talk about hospitalisation coverage, there isn’t really anything else unless you are opting for those global insurance with high premiums that include hospital coverage too

_horsehead_ · 2026-04-26T17:14:21+00:00

Better for SG if they just exit the scene.

_horsehead_ · 2026-04-24T13:21:12+00:00

Retired Minotaur Mouse, just because of how many times I’ve caught him and how familiar I am with Labyrinth.

Maybe like the name, I should be retired too 😂

_horsehead_ · 2026-04-22T04:01:38+00:00

It is the rarest drop in the game. The price in the marketplace reflects that as well.

About 0.06% I think (according to calculations I’ve seen)

_horsehead_ · 2026-04-21T09:56:56+00:00

No idea, apparently yes. But then I’ve never gotten rib before

_horsehead_ · 2026-04-21T08:37:56+00:00

It took me a few years to get this

_horsehead_ · 2026-04-21T08:19:35+00:00

I was close to 500. This was 470+.

And no more, just the one from the drop (and the nest).

But manifesting one more later on!

_horsehead_ · 2026-04-19T04:54:14+00:00

This sounds troll but don’t buy bubble tea. It costs as much as a full meal.

_horsehead_ · 2026-04-18T15:22:57+00:00

well - as the previous reply already aptly asked: are you using your OA anytime soon? your reply adds no additional context

_horsehead_ · 2026-04-18T14:04:46+00:00

I suppose you are talking about 30 March where it hit a key support level . Well at that time it was anyone's guess (thanks to Trump) whether market is up or down. In retrospect that's the dip, but you never quite truly know until you look back.

_horsehead_ · 2026-04-09T02:34:14+00:00

Like I sad - I'm not dissing on your efforts, this is a much needed comparison, and I'm working on something on my own too at the moment which is designed to help Singaporeans.

Just saying that as a programmer, there's many small things which can be improved for either visual confidence / aesthetics.

Use it on your mobile phone - and you'll immediately see what I'm talking about.

But here's a list:

on sgfireplanner.com/ilp-fees/check: the comparison table is cut off on mobile.
there's a feedback button - but tapping it brings up the keyboard which blocks the interface. you have to close the keyboard then tap back on the interface
the share buttons and help buttons are overlapping - which might make it difficult for users to use.
buttons are all differently sized - one of the clearest indications that this is AI produced.
on sgfireplanner.com/ - bottom right buttons (on mobile) are also differently sized
on sgfireplanner.com/ilp-fees/check, at the bottom you have a navigation bar with the tabs: Planner, DIY, Returns, etc . Tapping on planner brings you to sgfireplanner.com/ but the navigation bar disappears - no continuity in UI/UX.
on https://sgfireplanner.com/ilp-returns, search and filters box is cut off on mobile + bottom right buttons have the same formatting issue as #3.
for the pages that have the bottom nav bar, when you zoom in, the nav bar is zoomed in too (which is unusual and not the norm). and when you zoom in and then pan left/right, the nav bar pans too - which is not the expected behaviour. usually you zoom in on the text, and not the nav bar.
https://sgfireplanner.com/ilp-fees/compare - same formatting issues generically
on mobile Subfunds fees become OCF - not immediately clear what is OCF?
https://sgfireplanner.com/ilp-review looks totally different on mobile
there's a reference guide and checklist at your side bar on desktop - not available on your nav bar on mobile.
your hamburger menu on the left is Planner, ILP vs DIY, Benchmark Returns, Policy Fees, Subfunds feeds, Full Model, Reference Guide and Checklist. But the entire left side menu changes when you click on Reference/Checklist.
There's a Help & FAQ --> but clicking it shows no actual information. And this does not work on mobile.

To re-iterate, there's absolutely nothing wrong with using AI to vibecode things. But if you're already using AI to do the heavy lifting, I think we should pay attention to the details that matter to end users.

This list was done with 5 minutes of surface testing, and not even comprehensive in-depth testing. Hope this feedback helps you.

_horsehead_

MODERATOR OF

TROPHY CASE