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I came across several topics and I wish to make some comments.
1) The conventional term insurance is to provide a high coverage at a low cost with no returns or cash value.
Now, you can get a high coverage at a low cost with all your premiums returned to you if you survive the period term.
2) Term insurance are guaranteed renewable. For example you took a 10 year term. At the end of the term, the policy will be renewed automatically even if your health is deteriorating. (Premiums will be based on the renewal age)
3) Term insurance can provide you the coverage up to the age of 65, 75 or 99.
Hope that can be a good piece of news to you.
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Insurance do covers pre and post hospitalisation treatment due to illness or accident.
Unless dental check up is required due to accident, then it will be covered.
Regular Dental and annual check up are consider low cost expenses. The reason why it is not covered because, if insurance were to include all these minor expenses, the premiums will be ridiculously high.
Furthermore, dental checkup is commonly included in company insurance.
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