专业人士 给你纠正下 AVIVA MY SHIELD CAN COVER YOUR CHILDREN UP TO 20 YRS OLD AT AGE NEXT BIRTHDAY FOR FREE UNDER PLAN 2 ( MAXIMUM OF FOUR CHILDREN ), NTUC 的缺点是不能加RIDER 100% COVER 只能靠HOSPTIAL CASH BENEFIT 去尽量COVER 那COVER 不到的10% ( CAP 2000-3000) ，不过NTUC 总是最便宜的， 如果有两个孩子拿AVIVA 的计划的确是省钱省多了。

我没有同意，每个月都在我银行户口扣钱，气死人

专业人士给你解答下 我前几天发EMAIL 问的AVIVA前几天我发邮件问的，以下是回复， 其实你也可以的打热线问。 最近保险公司有开始提升这个SHIELD PLAN 了， 先是AIA 然后这个月AVIVA 也会升级 Subject Re: Fwd: Enquiry About my Shield/ my Shield Plus Sender CS Life Add contact Recipient mao.xueyan@finexis.com.sg Add contact Date 24.06.2011 14:59 Dear Cindy We refer to your email below. We have checked and are sorry to share that we did not receive your first email dated 20 June 2011. We wish to share as follow: 1. If both parents insured under Aviva, then kids can enjoy free coverage , if one of parents or both of them passed away during this free period, can kid still enjoy coverage by paying the full premium? Reply: If one of the parents has passed away, the children will not enjoy the free cover. 2. If child during this free period 20 years he suffered critical illness,can he still continue plan after 20 yrs without any change in plan by paying premium himself ? Is it guaranted renewable ? Does it term and cond (more...)

刚刚跟你说AVIVA SHIELD PLAN 要提升了 漏看封FRIDAY EMAIL 已经提升了We are pleased to share with you the latest Aviva product that will make the difference for your customers and to your sales - our enhanced MyShield! We're proud to be offering your customers further peace of mind with the enhanced MyShield. Your clients will continue to enjoy the free coverage for children* as well as the opportunity to cover past medical concerns with our Guaranteed issuance*. And now MyShield gets even better with our enhanced benefits without any increase of premiums: • Interim Coverage for up to $30,000 in accident medical reimbursements* – first Shield plan in Singapore • Letter of Guarantee (LOG) now includes private hospitals • Annual Claim Limit for Plan 1 increasing from S$500,000 to S$650,000 and from S$300,000 to S$400,000 for Plan 2

我只打算买医疗和储蓄就是AIA的healthshied和endowment. 看了篇文章说给宝宝买life insurance不值得，因为这个保险是保护dependent的，应该在25-30岁才买。 上次公司理财讲座说买endowment是错误的，回报率不如其他投资，不过我是笨+懒，就当强制储蓄吧。 不知道意外险必要吗？如果住院了healthshield不是cover了吗？

意外险指的是意外伤残险由于意外，导致死亡，残疾，或者不同程度的身体伤残，才能赔付。 这个跟住院保险是两回事。住院保险是帮你承担住院期间的费用而已。意外引起死亡，残疾或者伤残后，意外伤残险会根据程度不同给予一定的赔付，这笔钱直接给你，你看着需要用呗。

我觉得吧住院的、意外的和某些小孩子特有疾病的就好（如白血病之类的）； life insurance 是不用的； 至于教育的基金什么的，个人认为，它里面的增长率还赶不上通货膨胀的增长率呢，所以每月做些适当的saving （大概能保证你们全家在未来6个月内如果没有任何收入也能活下去就好了），其他的自己做些别的investment可能return更好。 关键的好处是，你的cash你自己控制，不会被绑在里面动不了。同样的原理适用于任何investment link 的保险。 我自己和大宝和我妈都比较幸运，在NTUC还有100%cover 的时候就买了住院的，二宝就只能买有limited coverage 的那种。 my two cents only ...