What types of insurance will you buy for your baby ? how much ? and how long is the commitment ?

I spend about $300 monthly in cash for everything we have - including my son's insurance, my insurance and an endowment plan for my son. There is also about $200+ that's coming from each of our medisave accounts for our hospitalization plans (the cash value is for riders). My son has: - hospitalization plan - personal accident plan - endowment plan (already $105.49 here) I'm still lacking of early critical illness and life insurance plans for him, but that's roughly what we have - I got the highest plans available and also added riders like hospital income, total and permanent disability etc! Reason being, it's much easier to downgrade in future than to upgrade if anything happens. Commitment wise, his endowment plan is for 20 years (until he finishes army) - others are based on our comfort level right now, mostly until my retirement age. If there's a need to change it to extend, we can always do a renewal :) If you're looking to get insurance coverage, the most important would be hospitalization and personal accident. You'd also want to consider things like your income, financial ability (present and expected future), lifestyle habits, working status etc because it's something you would not want to end up as a liability to you!

There are different types of insurance which you can buy for your LO. but i will strongly recommend you to get a hosp plan the moment baby birth is registered. Commitment wise is depends on how long you want to pay for. Usually it's best to pay for a lifetime. It's a protection for yourself in terms of bill shock Additional you can get is Life plan and accident plans. I got my husband to buy Life insurance from Aviva. It's cheaper

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I never bought any insurance for my kids.

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