Insurance explained
without translating every other word
Start with the question you actually have, search in everyday language, and go deeper only when useful.
You do not need product names to begin
These topics come from the articles currently published in the CMS.
cancer
Health insurance and critical illness cover are not the same thing
One usually focuses on eligible medical expenses; another may pay a lump sum when a defined critical illness condition is met.
Common misunderstandingWhat is unit-linked insurance? Questions to ask before focusing on returns
Unit-linked insurance combines protection with an investment-linked component, so purpose, charges, risk and time horizon should be separated before looking at projected returns.
Common misunderstandingPlanning for family: start with the expenses that must keep going
A useful family-protection conversation starts with the bills and responsibilities that continue if the main income stops—not with a headline coverage number.
Before-you-buy checklistRetirement planning when you do not know the exact number yet
You do not need a perfect retirement number before you begin. Start with the life you want, the time available and what already exists.
Friend-to-friendTax relief should support a plan—not become the whole reason for it
Something that qualifies for tax relief is not automatically a good fit. Purpose, time horizon, liquidity and budget still come first.
Common misunderstanding
How should I think about an insurance budget?
Start with what you can maintain without weakening savings or everyday cash flow.
Friend-to-friend
I already have company health cover. Do I still need my own?
Do not rush to add more. First understand what you already have and what may change when you leave the job.
Friend-to-friend
When choosing health insurance, do not look at room limits alone
Room charges matter, but they are only one part of a hospital bill.
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