i bgt for 2 yrs ntuc 1 (S$100 plus per yr)
this yr then realised i can actually use flex and 保 with
company insurer as a top-up item
oni about S$22 top-up
saved 80 bucks sia
co. ones usually quite basic de rite
or the T&Cs are like......... unachievable.......
must like 断手断脚 then can claim or wat
i prefer one tt can cover everyday life de
like sprain ankle when walking bcos busy on hp
cut ur finger when cooking
walk past a block and a tv land on ur head
bus accident (recently like quite a lot of cases....) then u
fall down or knock ur head
go to the gym and the dumbbell fall on the toes
