Hi, currently my wife is having second baby. Want to ask what is the best value insurance to buy for the baby?

This post has been edited by prescott2006: Feb 26 2021, 09:57 AM

Should I buy now or wait after deliver?

Is tongue tie covered under prenatal insurance?

Yes. A minor operation was done right after born.

I am a working male, 36, non-smoker, married with 2 kids (6yo and 3yo), wife is working. My monthly salary is 18k, wife is 9k. Outstanding home loan 627k, no MRTA.

Below is my current insurance plan from Generali:
- Life/TPD (150k, age 100)
- Accelerated CI rider (50k, age 100)
- 110 CI care (150k, age 81)
- Hospital income (RM200, age 75)
- Premium payer rider (age 100)
- Medical card (Annual limit 1.6mil, no life limit, age 80)

Questions:
- Any comment on my current plan?
- I feel like my life/TPD not really sufficient, should I top up or buy from other company?
- Is there better plan in the market? If yes, should I switch?

Biggest liability only home loan, no car loan. Net combined income 20k. Amount left after needed expenses, around 10k.

Yes, but cannot expect with the same lifestyle now ba.

The AIA one?

That's why I am thinking to increase the life insurance.