insurance

Yes! Although it is a commitment but is good to have! Especially the accident insurance, it covers HFMD, diarrhea, skin problem caused by insects bite, dengue or any accidents fall down or hit... I feel it is very essential! If you interested to know more, I could let my agent contact you. Just seek advices from her (not necessary to buy from her)..:) Btw, she very helpful and friendly (not that kind hard selling type). Highly recommended! ;)