Protect — a Transform Wealth offering
Protect what you cannot afford to lose.
Insurance is not an investment. It is protection against financial events you may not be able to comfortably absorb yourself.
Health
Protection against significant medical expenses.
- Need
- Whether a hospitalisation would strain your savings or your family's.
- Coverage
- Sum insured, room limits, day-care, pre and post hospitalisation.
- Premium
- What you pay each year, and how it changes with age and claims.
- Exclusions
- Waiting periods, pre-existing conditions, specific procedures.
- Policy terms
- Renewals, co-payment, sub-limits, network hospitals.
- Underwriting
- Health history and disclosures decide acceptance and price.
Term
Protection for people who depend on your income.
- Need
- How much income your dependants would need to replace, and for how long.
- Coverage
- Sum assured, policy term, riders and payout structure.
- Premium
- Level premiums, and why buying earlier costs less.
- Exclusions
- Non-disclosure, specific causes, early-period conditions.
- Policy terms
- Claim process, nomination, grace periods.
- Financial dependency
- Who actually relies on your income today and later.
Vehicle
Protection against financial loss associated with your vehicle.
- Need
- Legal requirement, plus the cost you could not absorb yourself.
- Coverage
- Third-party liability, own damage, add-ons.
- Premium
- Insured value, no-claim bonus, voluntary deductible.
- Exclusions
- Wear and tear, invalid licence, specific usage.
- Policy terms
- Claim process, garages, depreciation rules.
- Underwriting
- Vehicle age, usage and claim history.
No single insurer or policy is right for everyone. The suitable choice depends on your health, dependants, income and what you are trying to protect against.
Insurance products are subject to policy terms, conditions, exclusions and underwriting. Please read the policy documents carefully before purchasing.