Quick Answers Life & Health

You may have many questions on life and health insurance plans – what they do, how they work and what to look out for.

With this section, we hope to shed some light on some of these questions.

If you can’t find the answer to your question here, please get in contact us and we'd be happy to help!


How much death coverage should I have?

Term life policies – What's the difference between a level and decreasing plan?

I’m young and single so I don't need life insurance, right?

I already bought life insurance years ago. Why do I need to review it?

I’m a housewife so I don't need life insurance since nobody is depending on me for income.

What is the difference between a Term and Whole Life plan?


What is or isn't covered with an Integrated Shield plan?

What level of coverage should I pick?

Are pre-existing conditions covered by Integrated Shield plans?

What is the difference between moratorium and full underwriting for health plans?

Why do health plans have deductibles and co-insurance, and what are they?

How will the claims be computed since CPF Board and multiple insurers are jointly insuring me?