Tenet just launched their PA Junior. It covers infectious diseases up to S$1,500. Including HMFD.Generally, Tenet PA always ranked high on benefit per premium paid compared to its peers. Of course there're bias and limitation as there're no 2 exactly similar products in the market.Anyway,http://www.tenetinsurance.com/PersonalIns/PAJunior.aspxYou can read the actual wording & brochure at their website.Hope it helps.