It depends as sometime how the MLTA is packaged. You may want to find out if your MLTA covers the critical illness as well.

Apart from that, a good MLTA serves as liability cancellation scheme ie to ensure your property remains as yours if you're struck with death, disability or critical illness. Life insurance on the other hand ensures you have liquid cash to make sure your life goes on if you're struck with TPD or CI. In the event of death, your dependents would also receive a sum of money apart from the property to ensure they're able to make through their lives.

If you'd like a standalone medical card you could consider Great Eastern or ING. You should be able to purchase a CI policy too from these companies.

Let me know if you need further info on these.

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Added on April 16, 2010, 1:11 pmThe amount covered is usually limited to a certain quantum and till you retire from the company. What happens post retirement? Apart from that, what happens in case of retrenchment, etc. You should always aim to get your medical insurance when you're healthy as you may not be able to get it later on if you've contracted serious deceases.

Dengue is definitely curable provided it's detected early enough but usually this isn't the case. GH as you said is good place to get treatment but some people would just like to have an alternative to this.


This post has been edited by HHalphaomega: Apr 16 2010, 01:11 PM

While you're right in some sense about post retirement, I don't think it's wise to spend a large portion or all your retirement funds on medical costs which by the way is constantly escalating. Retirement funds are meant to keep you going till you depart from this world.

Going to GH is also fine if you don't mind the treatment you may get there. I have nothing against the government hospitals. While it ultimately boils downs to the doctors & nurses treating you, a good treatment is somehow not as consistent and frequent at GH as in the private hospital.