Your Priorities Life Protection – Medium Medical Expenses – High Critical Illness – High Personal Accident – Medium Savings & Investment – Medium Retirement – Low Asset Protection – Not Applicable

High Medical Costs 72% of Singaporeans agree that they cannot afford to get sick these days due to high medical costs Source: Singapore’s Emigration Conundrum, The Business Times, 6 Oct 2012

Medical Bill Illustration Your Total Medical Bill Major Portion Pay by yourself if no cover Covered By Insurance Basic Plan Deductible Pay by yourself if no cover Covered By Insurance Advanced Plan Co-insurance (10%) Pay by yourself if no cover Covered By Insurance Advanced Plan

Major Changes in March 2013 Deductible increases by $500 across the board TypeDeductible Amount C Class WardFirst $1500 B2 Class WardFirst $2000 B1 Class WardFirst $2500 A Class WardFirst $3500 Private HospitalFirst $3500 Day Surgery/Short Stay WardFirst $2000

Major Changes in March 2013 Increase of base Medishield premiums “As a not-for-profit self-financing insurance scheme, MediShield premiums have to be adjusted from time to time in line with the latest claims experience. Since the last premium revision in 2008, the average claim per policyholder had increased by about 12% per year from 2009 to 2011.” Source: Ministry of Health

Comparisons Between AIA/Aviva AvivaAIAVerdict Psychiatric Treatment Benefits $3500 per policy year $5000 per policy year AIA Renewal AbilityNon-guaranteeLifetime guaranteeAIA Maximum Claim Limit $650,000 per policy year $600,000 per policy year Aviva Children BenefitFree for insured’s children under 18 Not applicableAviva Daily Hospital Income $300 per day (Optional) $250-$350 per day (Optional) Tie Final Expense Benefit $1000$5000AIA Special Illness Coverage Cornea – Organ Transplant Not applicableAviva

Comparisons Between AIA/Aviva AvivaAIAVerdict Proration Factor70%50%AIA Organ Transplant Benefit $50,000$60,000AIA Premium Discount On Related Plans Not applicable20% discountAIA Premium (CPF)$232.83$232.00AIA Premium (Cash)$378.00$350.00AIA

Your Priorities Life Protection – Medium Medical Expenses – High Critical Illness – High Personal Accident – Medium Savings & Investment – Medium Retirement – Low Asset Protection – Not Applicable

Critical Illness Woman of Wisdom Plan Critical illness plan designed specifically for women Early detection feature: payout is upon diagnosis, not on treatment/surgery Free medical checkup once every 2 years. First free checkup is available on year 3.

Major Illness Covered IllnessPayout Female cancers (breast, cervix, uterus, ovary, fallopian tube etc) $25,000 (lump sum) + $10,000 (upon death) Systemic Lupus Erythematosus (SLE) With Lupus Nephritis $25,000 (lump sum) + $10,000 (upon death) Rheumatoid Arthritis$25,000 (lump sum) + $10,000 (upon death) Osteoporosis$7,500 (lump sum) + $10,000 (upon death) Urinary Incontinence Requiring Surgical Repair $1,250 (lump sum) + $10,000 (upon death) Female Carcinoma-in-situ (Growth of cancer cells that has yet progress to true cancer) $5,000 (lump sum) + $10,000 (upon death) Reconstructive surgery due to accidental burns or accidents $25,000 (lump sum) + $10,000 (upon death)

Monthly Maintenance Payout of $1000 per month for all the illness on previous slide Maximum 12 months, which is $12,000 This is on top of the lump sum payout

Other Illness Covered IllnessPayout 26 Critical Illness (Standard ones like heart disease etc) $12,500 (lump sum) + $10,000 (upon death) Pregnancy Complications$5,000 (lump sum) + $10,000 (upon death) Premiums Yearly: $432.82

Wikipedia: Systemic lupus erythematosus SLE most often harms the heart, joints, skin, lungs, blood vessels, liver, kidneys, and nervous system. The course of the disease is unpredictable, with periods of illness (called flares) alternating with remissions. The disease occurs nine times more often in women than in men, especially in women in child-bearing years ages 15 to 35, and is also more common in those of non- European descent. There is no cure for SLE. Source:

Wikipedia: Rheumatoid arthritis Rheumatoid arthritis (RA) is an autoimmune disease that results in a chronic, systemic inflammatory disorder that may affect many tissues and organs, but principally attacks flexible (synovial) joints. It can be a disabling and painful condition, which can lead to substantial loss of functioning and mobility if not adequately treated. Women two to three times as often as men. Onset is most frequent during middle age, but people of any age can be affected. Source:

Your Priorities Life Protection – Medium Medical Expenses – High Critical Illness – High Personal Accident – Medium Savings & Investment – Medium Retirement – Low Asset Protection – Not Applicable

Savings & Investment Financial Plus (USD) Plan Year 0Year 5Year 10 Year 15 Age: 28 Age: 33 Age: 38 Age: 43 Pay premiums here Guaranteed Payout: 50% of sum insured

Example Sum Assured = $25,000 Year 0Year 5Year 10 Year 15 Age: 28 Age: 33 Age: 38 Age: 43 Pay premiums here Guaranteed Payout: $12,500

Pros And Cons Pros – Pay only for 5 years, which is until 33 years old, the prime earning period of your life. – Enjoy benefits until 43 years old. – Guaranteed payouts. Not dependent on markets. – Lower distribution costs. (Commission paid is not as high as ILP/funds/unit trusts) – If TPD occurs, all premiums are waived, but guaranteed payouts still persists

Pros And Cons Cons – Will be expensive because payment period is squeezed into 5 years. – Have some currency risks, because of USD denomination – Returns may not be as good as ILP/funds/unit trusts