求助+讨论：住院险，意外险，大病险我的选择是否正确？
话说住院险，意外险，大病险这三种保险，我觉得是必须的，最近工作闲了下来，于是就决定研究下，对比了几家之后，我还是觉得对我来讲NTUC
INCOME的来的最划算。
本人情况：屌丝，目的是花较少的premium
cover如题所讲的三种保险，住院的话政府医院就可以，B,C级病房对我来讲也足够。
意外险的话，我觉得保150K足够了。
先来介绍下每个PR,CITIZEN都有的两个保险：
1）MediShield（少过100块/year，在CPF里扣），住院保险
2) dependent protection scheme（好像是50块/year，在CPF里扣），
You should insure yourself under the
Dependants’ Protection Scheme (DPS), an optional term insurance scheme which
covers members for an insured sum of $46,000 up to age 60.
我觉得大家都该花半个小时好好了解下上面两个保险。哈哈，有好处的。
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言归正传，NTUC保险经纪给我推荐了如下几种:
Family
Insurance Plan(意外险，大病险),保5年的话每年的premium少过SGD500. 我真的觉得这个号划算。对了，这个只可以付现金。只是5年的太短，准备来个20年的，让经济再quote给我。
欢迎大家拍砖。
Living Rider(LBV2)
Hospital Benefit (HBV1)
PRODUCT SUMMARY FOR RIDERS
Living Rider
This rider is primarily taken to supplement the main plan in providing extra
financial security in the event of Death, Total
Permanent Disability (TPD), or upon diagnosis of any of the 30 specified dread
diseases.
Premiums are payable during the term of the rider and cease on death, total
permanent disability (TPD) or upon
diagnosis of a specified dread disease (DD). The rider premium rates are
non-guaranteed and may be revised based on
emerging experience.
This rider pays the following benefit:
Death Benefit
In the event of death before maturity of policy, the sum assured will be paid
to the beneficiaries of the life insured in one
lump sum.
Total & Permanent Disability (TPD) Benefit
Upon incidence of TPD during the policy term, the sum assured will be paid in
lump sum. The rider terminates thereafter.
This benefit is payable only if TPD occurs before age 65 last birthday.
The maximum aggregate TPD benefit payable on a single life is S$3.75 million,
inclusive of all policies issued by the
Cooperative and by any other insurer.
While the TPD benefit is payable in lump sum, the total benefit payable will be
subject to a maximum of S$1 million each
year. Any balance due after S$1 million has been paid in each year will be paid
one year later, provided the insured
remains in TPD.
Dread Disease (DD) Benefit
The sum assured will be paid to the life insured in one lump sum if the life
insured is diagnosed with any of the 30 dread
diseases.
Please refer to the policy contract for the definition and details on the 30
dread diseases.
Hospital Benefit Rider
This rider is taken to provide financial support in the event of confinement in
a government or licensed hospital.
The maximum daily benefit for homemakers and students is S$200, and for others
the maximum daily benefit is S$400.
This rider does not provide any compensation for hospitalisation due to any
existing illness or injury when the rider
coverage takes effect.
Premiums are payable during the term of the rider and ceases on death of the
life assured. The rider premium rates are
non-guaranteed and may be adjusted based on emerging experience.
This rider pays the following benefit:
Confinement
This rider pays sum assured for each day of confinement in a government or
licensed hospital, subject to a maximum of
365 days for each confinement.
Medical Leave
For medical leave following discharge from hospital, 50% of the sum assured is
payable. This is payable up to a
maximum of 30 days. Medical leave benefit is only applicable to insured who is
7 years old and above.
Enhanced IncomeShield Plan住院险
经纪推荐我买Preferred
(around SGD 150/year,可MEDI
SAVE付款)+
assist rider（around
150 SGD per year,现金付款）。我觉得对我而言，advantage
+ assist rider足够，
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觉得用少过SGD500/YEAR就可以cover 这三种保险，还是算很划算的了，不知道大家有没有什么建议？
谈旭影
您有好的住院，大病保险可以在这里分享下？谢谢了先