Travel

Here we compare NTUC vs NATAS

NTUC INCOME'S CLASSIC PLAN, which costs around $15

• This covers death and permanent disability.

• The benefits include up to $200,000 cover.

• A unique inclusion is the 'war risk' clause that covers kidnap-and-hostage crisis with a payout of $50 a day for up to 100 days.

• Theft, loss and damage of personal property is also covered up to $5,000.

• This covers accidental death and permanent disablement with benefits up to $250,000 and a cash payout plus $300,000 for overseas medical care.

Our tips for what you should look out for in all potential policies are:

• Read the terms and conditions for specific medical exclusions and check to see that your condition is not explicitly excluded

• Check if there is a time limit on what constitutes a pre-existing medical condition

• If you're diabetic or have a chronic illness, make sure you're covered

• Check that hospital stays, diagnostics, and medications are all covered

• Lastly, try to stay with an insurer long-term as you can establish a relationship with them

Good luck with your insurance search.