kyith:

hophlng:

personal accident is important because during our financial productive years (hope no one pan tang) the chances to die from accident means is the highest. And for couple of hundreds of dollars you can get a few hundred K of coverage.


But the other important thing in PA is the medical coverage. If you are the clumsy type who always fell and trip and like to visit Chinese physician like Eu Yang Sang, PA Medical coverage is god send.

are you sure that the chances of you claiming this is higher than the chances of hospitalization?

wouldn't a hospitalization plan be more important than a personal accident plan?

Yeah, actually personal accident plans have very very high chances of claims because small accidents are very comment. And it's very easily claim because only need to go GP or TCM, and can claim due to food poisoning, insect bites - all these unfortunate cases are very frequent occurring.

But hospital plan more important because small accident bills usually less than $100 but hospital bills easily more than $1,000. Nowadays many things inflate so hospital bills easily $3k plus plus plus.